Home Insurance in McHenry, Illinois
The median home value in McHenry is $266,500, 14% lower than the McHenry County median.
The typical home in McHenry was built around 1988. About 15% of homes were built before 1960, about 4 points below McHenry County's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in McHenry breaks down to 80% single-family homes and 13% apartments in buildings with 5+ units.
68% of owner-occupied homes in McHenry carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in McHenry are owner-occupied.
In McHenry, 84% 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 | $266,500 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 74% |
| 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)