Home Insurance in Midlothian, Illinois
The median home value in Midlothian is $207,000, 36% lower than the Cook County median.
The typical home in Midlothian was built around 1965. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 40% of homes were built before 1960, about 8 points below Cook County's 49%.
In Midlothian, the housing stock is 76% single-family homes and 20% apartments in buildings with 5+ units.
64% of owner-occupied homes in Midlothian carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Midlothian has an owner-occupancy rate of 76% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Midlothian - 87% - 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 | $207,000 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 76% |
| 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)