Home Insurance in McNabb, Illinois
Homes in McNabb carry a median value of $133,300 - 23% lower than the Putnam County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in McNabb was built around 1968. About 40% of homes were built before 1960, about 4 points above Putnam County's 35%.
The housing stock in McNabb is 91% single-family homes.
About 42% of owner-occupied homes in McNabb have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
McNabb has an owner-occupancy rate of 79% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in McNabb - 76% - are primarily heated with natural gas.
Putnam County's top FEMA-rated hazard is strong wind (Relatively Low), per FEMA's National Risk Index. Putnam County had 11 active NFIP flood policies as of September 2026. See the full Putnam 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 | $133,300 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Strong Wind (Relatively Low) |
| Active NFIP policies in Putnam County | 11 |
| 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)