Home Insurance in McLean County, Illinois
With a median home value of $208,400, McLean County is 21% lower than the Illinois median.
The typical home in McLean County was built around 1981. About 23% of homes were built before 1960, about 15 points below Illinois's 38%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In McLean County, the housing stock is 66% single-family homes, 24% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
63% of owner-occupied homes in McLean County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
McLean County has an owner-occupancy rate of 65% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in McLean County - 71% - are primarily heated with natural gas.
FEMA's National Risk Index lists tornado (Relatively Moderate), hail (Relatively Moderate) and winter weather (Relatively High) as the leading hazards for McLean County.
As of September 2026, McLean County has 141 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $208,400 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Hail (Relatively Moderate), Winter Weather (Relatively High) |
| Active NFIP flood policies (county) | 141 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
- Anchor
- Arrowsmith
- Bellflower
- Bloomington
- Carlock
- Chenoa
- Colfax
- Cooksville
- Danvers
- Ellsworth
- Gridley
- Heyworth
- Hudson
- Lexington
- McLean
- Normal
- Saybrook
- Stanford
- Towanda
Smaller communities
-
Downs
- Median home value: $240,600
- Median year built: 1993
- Owner-occupied share: 91%
-
Le Roy
- Median home value: $167,600
- Median year built: 1973
- Owner-occupied share: 78%
Sources
- 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)