Home Insurance in Forreston, Illinois
The median home value in Forreston is $129,900, 31% lower than the Ogle County median.
The typical home in Forreston was built around 1959. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 51% of homes were built before 1960, about 16 points above Ogle County's 35%.
Housing in Forreston breaks down to 85% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
63% of owner-occupied homes in Forreston carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Forreston has an owner-occupancy rate of 82% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
82% of homes in Forreston are primarily heated with natural gas.
FEMA rates Ogle County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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 | $129,900 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)