Home Insurance in Holiday Hills, Illinois
Homes in Holiday Hills carry a median value of $220,600 - 28% lower than the McHenry County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Holiday Hills was built around 1969. About 39% of homes were built before 1960, about 21 points above McHenry County's 18%.
In Holiday Hills, the housing stock is 99% single-family homes.
In Holiday Hills, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Holiday Hills are owner-occupied.
96% of homes in Holiday Hills are primarily heated with natural gas.
McHenry County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. 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.
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 | $220,600 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)