Home Insurance in Stickney, Illinois
With a median home value of $244,900, Stickney is 25% 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 Stickney was built around 1954. About 73% of homes were built before 1960, about 25 points above Cook County's 49%.
Housing in Stickney breaks down to 82% single-family homes and 14% apartments in buildings with 5+ units.
About 60% of owner-occupied homes in Stickney have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stickney has an owner-occupancy rate of 83% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Stickney - 89% - are primarily heated with natural gas.
What's the biggest home insurance risk near Stickney? FEMA's National Risk Index points to winter weather (Very High) in Cook County and 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.
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 | $244,900 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)