Home Insurance in Chicago Heights, Illinois
Homes in Chicago Heights carry a median value of $161,000 - 50% lower than the Cook County median.
The typical home in Chicago Heights was built around 1959. About 53% of homes were built before 1960, about 5 points above Cook County's 49%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Chicago Heights, the housing stock is 72% single-family homes and 11% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Chicago Heights, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Chicago Heights are owner-occupied.
89% of homes in Chicago Heights are primarily heated with natural gas.
Cook County had 11,554 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Cook 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 | $161,000 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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
- South Chicago Heights
- Glenwood
- Ford Heights
- Steger
- Olympia Fields
- Flossmoor
- Park Forest
- Sauk 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)