Home Insurance in Wilmette, Illinois
The median home value in Wilmette is $810,600, 150% higher than the Cook County median.
The typical home in Wilmette was built around 1957. About 56% of homes were built before 1960, about 7 points above Cook County's 49%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Wilmette, the housing stock is 82% single-family homes and 16% apartments in buildings with 5+ units.
61% of owner-occupied homes in Wilmette carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 88% of occupied homes in Wilmette 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 Wilmette - 85% - 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 | $810,600 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)