McLean County, IL

Composite Insurance Risk Score: 53.3 / 100 (National rank: #1390)

Axis Scores

Climate Safety 18.8
Insurance Affordability 74.5
Housing Affordability 65.9
Community Resilience 96.2
Social Resilience 80.0
Housing Stability 15.1

Key Metrics

Annual Insurance Premium (state avg) $1,600
Insurance Burden (% of income) 2.00%
Price-to-Income Ratio 2.61
FEMA Risk Score (0-100) 81.1

Data Sources: FEMA National Risk Index (Public Domain), U.S. Census Bureau ACS 5-Year Estimates (CC0), Triple-I / NAIC public citations. Scores are percentile ranks across all valid U.S. counties (0-100).

πŸ“ˆ 10-Year Trend (2015-2024)

Historical data from U.S. Census ACS 5-Year Estimates.

πŸ’‘ Market Analysis

Over the past 5 years, home values in McLean County have grown at an average annual rate of 4.53%. During the same period, the population has decreased by 0.59%. This combination of rising prices and shrinking population may indicate housing affordability pressures or climate-related out-migration.

*Note: Correlation does not imply causation. Analysis based on ACS 5-Year Estimates (2019-2024).