Home Insurance in Country Club Hills, Illinois
Homes in Country Club Hills carry a median value of $192,000 - 41% lower than the Cook County median.
The typical home in Country Club Hills was built around 1976. About 18% of homes were built before 1960, about 31 points below Cook County's 49%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Country Club Hills is 90% single-family homes and 6% apartments in buildings with 5+ units.
In Country Club Hills, about 77% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Country Club Hills has an owner-occupancy rate of 74% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Country Club Hills, 90% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Country Club 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 | $192,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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
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)