HomeInsuranceQts

Home Insurance in Harvard, Illinois

The median home value in Harvard is $175,400, 43% lower than the McHenry County median.

The typical home in Harvard was built around 1980. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 31% of homes were built before 1960, about 12 points above McHenry County's 18%.

Housing in Harvard breaks down to 72% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.

58% of owner-occupied homes in Harvard carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Harvard are owner-occupied.

In Harvard, 76% 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$175,400
Median year built1980
Owner-occupied share60%
Share of owner-occupied homes with a mortgage58%
Top county hazardTornado (Relatively High)
Active NFIP policies in McHenry County789
Home insurance premium$1,480 - statewide average (NAIC, 2023 data)
Key home insurance figures for Harvard, IL

Nearby towns

Sources

Data last updated: 2026-09-29