Home Insurance in Johnsburg, Illinois
Homes in Johnsburg carry a median value of $328,300 - 7% higher than the McHenry County median.
The typical home in Johnsburg was built around 1982. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 25% of homes were built before 1960, about 6 points above McHenry County's 18%.
Housing in Johnsburg breaks down to 96% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 66% of owner-occupied homes in Johnsburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 93% of occupied homes in Johnsburg are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Johnsburg, 90% 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.
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 | $328,300 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 93% |
| 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)