Home Insurance in Byron, Illinois
The median home value in Byron is $198,700, 5% higher than the Ogle County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Byron was built around 1987. About 28% of homes were built before 1960, about 7 points below Ogle County's 35%.
Housing in Byron breaks down to 78% single-family homes and 10% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 67% of owner-occupied homes in Byron have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 71% of occupied homes in Byron are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
84% of homes in Byron are primarily heated with natural gas.
Ogle County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Ogle County had 151 active NFIP flood policies as of September 2026. See the full Ogle County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Illinois carries a statewide average premium of $1,480 per year.
Key figures
| Median home value | $198,700 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Ogle County | 151 |
| 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)