Home Insurance in Leaf River, Illinois
The median home value in Leaf River is $94,000, 50% lower than the Ogle County median.
The typical home in Leaf River was built around 1950. About 70% of homes were built before 1960, about 35 points above Ogle County's 35%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Leaf River is 90% single-family homes and 1% apartments in buildings with 5+ units.
In Leaf River, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Leaf River has an owner-occupancy rate of 84% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
88% of homes in Leaf River are primarily heated with natural gas.
What's the biggest home insurance risk near Leaf River? FEMA's National Risk Index points to hail (Relatively Moderate) in Ogle County and 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.
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 | $94,000 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)