Home Insurance in Bushnell, Illinois
Homes in Bushnell carry a median value of $71,900 - 33% lower than the McDonough County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bushnell was built around 1944. About 71% of homes were built before 1960, about 28 points above McDonough County's 43%.
Housing in Bushnell breaks down to 86% single-family homes, 2% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 54% of owner-occupied homes in Bushnell have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Bushnell are owner-occupied.
75% of homes in Bushnell are primarily heated with natural gas.
McDonough County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 | $71,900 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)