Home Insurance in McLean, Illinois
With a median home value of $140,400, McLean is 33% 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 McLean was built around 1968. About 37% of homes were built before 1960, about 14 points above McLean County's 23%.
The housing stock in McLean is 97% single-family homes and 2% apartments in buildings with 5+ units.
70% of owner-occupied homes in McLean carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 89% of occupied homes in McLean are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In McLean, 84% of homes are primarily heated with natural gas.
McLean County had 141 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full McLean 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 | $140,400 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 89% |
| 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)