Home Insurance in Bull Valley, Illinois
With a median home value of $477,900, Bull Valley is 55% higher than the McHenry County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bull Valley was built around 1983. About 14% of homes were built before 1960, about 5 points below McHenry County's 18%.
Housing in Bull Valley breaks down to 98% single-family homes and 2% mobile or manufactured homes.
In Bull Valley, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bull Valley has an owner-occupancy rate of 97% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Bull Valley, 92% of homes are primarily heated with natural gas.
FEMA rates McHenry County's overall risk as Relatively Moderate, led by tornado (Relatively High). McHenry County had 789 active NFIP flood policies as of September 2026. See the full McHenry 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 | $477,900 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in McHenry County | 789 |
| 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)