Home Insurance in Evergreen Park, Illinois
Homes in Evergreen Park carry a median value of $267,500 - 18% lower than the Cook County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Evergreen Park was built around 1955. About 71% of homes were built before 1960, about 22 points above Cook County's 49%.
The housing stock in Evergreen Park is 88% single-family homes and 10% apartments in buildings with 5+ units.
64% of owner-occupied homes in Evergreen Park carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Evergreen Park has an owner-occupancy rate of 85% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Evergreen Park - 90% - 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.
In Illinois, the statewide average premium for a standard HO-3 homeowners policy is $1,480 per year (NAIC, 2023 data).
Key figures
| Median home value | $267,500 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)