Home Insurance in Stillman Valley, Illinois
With a median home value of $175,800, Stillman Valley is 7% lower than the Ogle County median.
The typical home in Stillman Valley was built around 1970. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 33% of homes were built before 1960, about 2 points below Ogle County's 35%.
In Stillman Valley, the housing stock is 87% single-family homes. The rest are 2-4 unit or other housing types.
In Stillman Valley, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Stillman Valley are owner-occupied.
91% of homes in Stillman Valley 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.
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 | $175,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)