Home Insurance in McHenry County, Illinois
The median home value in McHenry County is $308,100, 17% higher than the Illinois median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in McHenry County was built around 1989. About 18% of homes were built before 1960, about 19 points below Illinois's 38%.
Housing in McHenry County breaks down to 87% single-family homes, 8% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In McHenry County, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in McHenry County are owner-occupied.
85% of homes in McHenry County are primarily heated with natural gas.
The top hazards for McHenry County, per FEMA's National Risk Index, are tornado (Relatively High), inland flooding (Relatively Moderate) and strong wind (Relatively High).
As of September 2026, McHenry County has 789 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $308,100 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Inland Flooding (Relatively Moderate), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 789 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
- Algonquin
- Bull Valley
- Cary
- Crystal Lake
- Fox River Grove
- Greenwood
- Harvard
- Hebron
- Holiday Hills
- Island Lake
- Johnsburg
- Lake in the Hills
- Lakemoor
- Lakewood
- Marengo
- McCullom Lake
- McHenry
- Oakwood Hills
- Prairie Grove
- Richmond
- Ringwood
- Spring Grove
- Trout Valley
- Union
- Wonder Lake
Smaller communities
-
Huntley
- Median home value: $334,300
- Median year built: 2004
- Owner-occupied share: 89%
-
Woodstock
- Median home value: $245,700
- Median year built: 1989
- Owner-occupied share: 72%
Sources
- 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)