Home Insurance in Bradley, Illinois
Homes in Bradley carry a median value of $173,400 - 10% lower than the Kankakee County median.
The typical home in Bradley was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 33% of homes were built before 1960, in line with Kankakee County (32%).
The housing stock in Bradley is 83% single-family homes and 7% apartments in buildings with 5+ units.
66% of owner-occupied homes in Bradley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 64% of occupied homes in Bradley are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
88% of homes in Bradley are primarily heated with natural gas.
FEMA rates Kankakee County's overall risk as Relatively Moderate, led by inland flooding (Relatively Moderate). Kankakee County had 304 active NFIP flood policies as of September 2026. See the full Kankakee County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Illinois carries a statewide average premium of $1,480 per year.
Key figures
| Median home value | $173,400 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Kankakee County | 304 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)