Home Insurance in Flossmoor, Illinois
Homes in Flossmoor carry a median value of $344,800 - 6% higher than the Cook County median.
The typical home in Flossmoor was built around 1969. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 30% of homes were built before 1960, about 19 points below Cook County's 49%.
In Flossmoor, the housing stock is 86% single-family homes and 12% apartments in buildings with 5+ units.
About 65% of owner-occupied homes in Flossmoor have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Flossmoor has an owner-occupancy rate of 95% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Flossmoor - 80% - 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 | $344,800 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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
- Olympia Fields
- Country Club Hills
- East Hazel Crest
- Chicago Heights
- Matteson
- Glenwood
- Park Forest
- Thornton
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)