Home Insurance in Glencoe, Illinois
With a median home value of $1,432,500, Glencoe is 341% higher than the Cook County median.
The typical home in Glencoe was built around 1955. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 59% of homes were built before 1960, about 10 points above Cook County's 49%.
The housing stock in Glencoe is 94% single-family homes and 5% apartments in buildings with 5+ units.
About 68% of owner-occupied homes in Glencoe have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Glencoe has an owner-occupancy rate of 92% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Glencoe - 92% - 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.
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 | $1,432,500 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 92% |
| 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
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)