Home Insurance in Deer Grove, Illinois
With a median home value of $112,500, Deer Grove is 11% lower than the Whiteside County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Deer Grove was built in 1939 or earlier. About 67% of homes were built before 1960, about 18 points above Whiteside County's 48%.
The housing stock in Deer Grove is 96% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Deer Grove, about 20% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 44%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Deer Grove are owner-occupied.
In Deer Grove, 53% of homes are primarily heated with natural gas.
Whiteside County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Whiteside County had 183 active NFIP flood policies as of September 2026. See the full Whiteside 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 | $112,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Whiteside County | 183 |
| 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)