Home Insurance in Stone Park, Illinois
Homes in Stone Park carry a median value of $242,100 - 25% lower than the Cook County median.
The typical home in Stone Park was built around 1965. About 39% of homes were built before 1960, about 10 points below Cook County's 49%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Stone Park is 48% single-family homes, 8% apartments in buildings with 5+ units and 14% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Stone Park, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 48% of occupied homes in Stone Park are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Stone Park - 81% - 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 | $242,100 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)