Home Insurance in Bradford, Illinois
The median home value in Bradford is $80,700, 23% lower than the Stark 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 Bradford was built around 1943. About 68% of homes were built before 1960, about 14 points above Stark County's 54%.
In Bradford, the housing stock is 94% single-family homes.
44% of owner-occupied homes in Bradford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bradford has an owner-occupancy rate of 81% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Bradford - 81% - are primarily heated with natural gas.
Stark County's top FEMA-rated hazard is strong wind (Relatively Low), per FEMA's National Risk Index. Stark County had 5 active NFIP flood policies as of September 2026. See the full Stark 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 | $80,700 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Strong Wind (Relatively Low) |
| Active NFIP policies in Stark County | 5 |
| 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)