Home Insurance in Machesney Park, Illinois
With a median home value of $173,700, Machesney Park is 6% higher than the Winnebago County median.
The typical home in Machesney Park was built around 1978. About 23% of homes were built before 1960, about 13 points below Winnebago County's 35%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Machesney Park, the housing stock is 89% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Machesney Park, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 80% of occupied homes in Machesney Park are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Machesney Park, 91% of homes are primarily heated with natural gas.
FEMA rates Winnebago County's overall risk as Relatively Moderate, led by strong wind (Relatively High). Winnebago County had 617 active NFIP flood policies as of September 2026. See the full Winnebago 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 | $173,700 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Winnebago County | 617 |
| 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)