Home Insurance in McCullom Lake, Illinois
The median home value in McCullom Lake is $178,600, 42% 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 McCullom Lake was built around 1959. About 51% of homes were built before 1960, about 33 points above McHenry County's 18%.
The housing stock in McCullom Lake is 95% single-family homes and 5% apartments in buildings with 5+ units.
About 57% of owner-occupied homes in McCullom Lake have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in McCullom Lake are owner-occupied.
Most homes in McCullom Lake - 88% - 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 | $178,600 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)