Home Insurance in Spring Grove, Illinois
The median home value in Spring Grove is $398,400, 29% higher than the McHenry County median.
The typical home in Spring Grove was built around 1998. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 7% of homes were built before 1960, about 11 points below McHenry County's 18%.
Housing in Spring Grove breaks down to 99% single-family homes.
In Spring Grove, about 79% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 96% of occupied homes in Spring Grove are owner-occupied.
In Spring Grove, 95% 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 | $398,400 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 79% |
| 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)