Home Insurance in Barrington Hills, Illinois
Homes in Barrington Hills carry a median value of $913,600 - 182% higher than the Cook County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Barrington Hills was built around 1978. About 25% of homes were built before 1960, about 24 points below Cook County's 49%.
In Barrington Hills, the housing stock is 100% single-family homes.
68% of owner-occupied homes in Barrington Hills carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Barrington Hills are owner-occupied.
In Barrington Hills, 95% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Barrington Hills? FEMA's National Risk Index points to winter weather (Very High) in Cook County and 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 | $913,600 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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
- East Dundee
- Barrington
- Fox River Grove
- South Barrington
- Trout Valley
- Carpentersville
- Lake Barrington
- Inverness
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)