Home Insurance in Pecatonica, Illinois
Homes in Pecatonica carry a median value of $143,900 - 13% lower than the Winnebago County median.
The typical home in Pecatonica was built around 1959. About 51% of homes were built before 1960, about 16 points above Winnebago County's 35%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Pecatonica breaks down to 87% single-family homes and 3% apartments in buildings with 5+ units.
In Pecatonica, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pecatonica has an owner-occupancy rate of 80% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
89% of homes in Pecatonica are primarily heated with natural gas.
Winnebago County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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.
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 | $143,900 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)