Home Insurance in Carlock, Illinois
Homes in Carlock carry a median value of $154,600 - 26% lower than the McLean County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Carlock was built around 1943. About 56% of homes were built before 1960, about 33 points above McLean County's 23%.
Housing in Carlock breaks down to 94% single-family homes.
70% of owner-occupied homes in Carlock carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Carlock has an owner-occupancy rate of 86% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Carlock, 87% of homes are primarily heated with natural gas.
McLean County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. McLean County had 141 active NFIP flood policies as of September 2026. See the full McLean 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 | $154,600 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in McLean County | 141 |
| 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)