Home Insurance in Port Byron, Illinois
With a median home value of $278,200, Port Byron is 85% higher than the Rock Island County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Port Byron was built around 1976. About 33% of homes were built before 1960, about 14 points below Rock Island County's 46%.
In Port Byron, the housing stock is 85% single-family homes and 12% apartments in buildings with 5+ units.
In Port Byron, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Port Byron has an owner-occupancy rate of 84% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Port Byron - 82% - are primarily heated with natural gas.
Rock Island County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Rock Island County had 788 active NFIP flood policies as of September 2026. See the full Rock Island 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 | $278,200 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Rock Island County | 788 |
| 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)