Home Insurance in Bardolph, Illinois
Homes in Bardolph carry a median value of $49,300 - 54% lower than the McDonough County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bardolph was built around 1956. About 54% of homes were built before 1960, about 11 points above McDonough County's 43%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bardolph is 80% single-family homes and 15% mobile or manufactured homes.
In Bardolph, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 92% of occupied homes in Bardolph are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Bardolph - 93% - are primarily heated with natural gas.
What's the biggest home insurance risk near Bardolph? FEMA's National Risk Index points to hail (Relatively Moderate) in McDonough County and McDonough County had 8 active NFIP flood policies as of September 2026. See the full McDonough County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Illinois, the statewide average premium for a standard HO-3 homeowners policy is $1,480 per year (NAIC, 2023 data).
Key figures
| Median home value | $49,300 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in McDonough County | 8 |
| 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)