Home Insurance in Rosemont, Illinois
The median home value in Rosemont is $344,900, 6% higher than the Cook County median.
The typical home in Rosemont was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 17% of homes were built before 1960, about 32 points below Cook County's 49%.
The housing stock in Rosemont is 18% single-family homes and 70% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 71% of owner-occupied homes in Rosemont have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 22% of occupied homes in Rosemont are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Rosemont - 57% - are primarily heated with natural gas.
Cook County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Illinois carries a statewide average premium of $1,480 per year.
Key figures
| Median home value | $344,900 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 22% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)