HomeInsuranceQts

Home Insurance in Worth, Illinois

The median home value in Worth is $215,000, 34% lower than the Cook County median.

The typical home in Worth was built around 1968. About 31% of homes were built before 1960, about 18 points below Cook County's 49%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.

In Worth, the housing stock is 49% single-family homes, 40% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Worth, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Worth has an owner-occupancy rate of 64% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.

In Worth, 77% of homes are primarily heated with natural gas.

FEMA rates Cook County's overall risk as Very High, led by winter weather (Very High). 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.

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$215,000
Median year built1968
Owner-occupied share64%
Share of owner-occupied homes with a mortgage62%
Top county hazardWinter Weather (Very High)
Active NFIP policies in Cook County11,554
Home insurance premium$1,480 - statewide average (NAIC, 2023 data)
Key home insurance figures for Worth, IL

Nearby towns

Sources

Data last updated: 2026-09-29