Home Insurance in Fox River Grove, Illinois
With a median home value of $298,900, Fox River Grove is close to the McHenry County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Fox River Grove was built around 1980. About 32% of homes were built before 1960, about 14 points above McHenry County's 18%.
The housing stock in Fox River Grove is 97% single-family homes and 3% apartments in buildings with 5+ units.
72% of owner-occupied homes in Fox River Grove carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 87% of occupied homes in Fox River Grove are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
79% of homes in Fox River Grove are primarily heated with natural gas.
McHenry County had 789 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). 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 | $298,900 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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
- Trout Valley
- Cary
- Lake Barrington
- Port Barrington
- Tower Lakes
- Oakwood Hills
- Barrington Hills
- North Barrington
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)