Home Insurance in Arlington Heights, Illinois
With a median home value of $414,500, Arlington Heights is 28% higher than the Cook County median.
The typical home in Arlington Heights was built around 1974. About 19% of homes were built before 1960, about 29 points below Cook County's 49%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Arlington Heights breaks down to 60% single-family homes and 35% apartments in buildings with 5+ units.
About 61% of owner-occupied homes in Arlington Heights have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Arlington Heights has an owner-occupancy rate of 74% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
78% of homes in Arlington Heights are primarily heated with natural gas.
Cook County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Cook County had 11,554 active NFIP flood policies as of September 2026. See the full Cook 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 | $414,500 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Cook County | 11,554 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Nearby towns
- Rolling Meadows
- Prospect Heights
- Mount Prospect
- Wheeling
- Buffalo Grove
- Des Plaines
- Inverness
- Elk Grove Village
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)