Home Insurance in Ogle County, Illinois
Homes in Ogle County carry a median value of $189,200 - 28% lower than the Illinois median.
The typical home in Ogle County was built around 1972. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 35% of homes were built before 1960, about 3 points below Illinois's 38%.
Housing in Ogle County breaks down to 85% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
58% of owner-occupied homes in Ogle County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Ogle County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 67% of homes in Ogle County are primarily heated with natural gas.
FEMA's National Risk Index lists hail (Relatively Moderate), tornado (Relatively Moderate) and inland flooding (Relatively Moderate) as the leading hazards for Ogle County.
As of September 2026, Ogle County has 151 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $189,200 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Tornado (Relatively Moderate), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 151 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
- Adeline
- Byron
- Creston
- Forreston
- Hillcrest
- Leaf River
- Monroe Center
- Mount Morris
- Oregon
- Polo
- Stillman Valley
Smaller communities
-
Davis Junction
- Median home value: $205,500
- Median year built: 2002
- Owner-occupied share: 93%
-
Rochelle
- Median home value: $164,300
- Median year built: 1971
- Owner-occupied share: 53%
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)