Home Insurance in Hillcrest, Illinois
The median home value in Hillcrest is $164,200, 13% lower than the Ogle County median.
The typical home in Hillcrest was built around 1981. About 17% of homes were built before 1960, about 18 points below Ogle County's 35%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Hillcrest, the housing stock is 95% single-family homes and 2% apartments in buildings with 5+ units.
In Hillcrest, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 82% of occupied homes in Hillcrest are owner-occupied.
Most homes in Hillcrest - 92% - are primarily heated with natural gas.
Ogle County had 151 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Ogle 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 | $164,200 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)