Home Insurance in Hebron, Illinois
With a median home value of $208,100, Hebron is 32% lower than the McHenry County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hebron was built around 1979. About 25% of homes were built before 1960, about 7 points above McHenry County's 18%.
Housing in Hebron breaks down to 83% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Hebron, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 77% of occupied homes in Hebron are owner-occupied.
Most homes in Hebron - 82% - 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Illinois carries a statewide average premium of $1,480 per year.
Key figures
| Median home value | $208,100 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)