Home Insurance in Winnebago County, Illinois
With a median home value of $164,500, Winnebago County is 38% lower than the Illinois median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Winnebago County was built around 1971. About 35% of homes were built before 1960, about 2 points below Illinois's 38%.
In Winnebago County, the housing stock is 75% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
58% of owner-occupied homes in Winnebago County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Winnebago County has an owner-occupancy rate of 66% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Winnebago County, 84% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists strong wind (Relatively High), tornado (Relatively High) and hail (Relatively High) as the leading hazards for Winnebago County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Winnebago County has 617 active NFIP flood policies on file.
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 | $164,500 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Tornado (Relatively High), Hail (Relatively High) |
| Active NFIP flood policies (county) | 617 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
- Cherry Valley
- Durand
- Loves Park
- Machesney Park
- New Milford
- Pecatonica
- Rockford
- Rockton
- Roscoe
- South Beloit
- Winnebago
Sources
- 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)