Home Insurance in Winnebago, Illinois
The median home value in Winnebago is $194,000, 18% higher than the Winnebago County median.
The typical home in Winnebago was built around 1985. About 24% of homes were built before 1960, about 12 points below Winnebago County's 35%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Winnebago breaks down to 90% single-family homes and 4% apartments in buildings with 5+ units.
In Winnebago, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 87% of occupied homes in Winnebago are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Winnebago - 93% - are primarily heated with natural gas.
What's the biggest home insurance risk near Winnebago? FEMA's National Risk Index points to strong wind (Relatively High) in Winnebago County and 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.
The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $194,000 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)