Home Insurance in DeKalb, Illinois
The median home value in DeKalb is $204,700, 16% lower than the DeKalb County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in DeKalb was built around 1976. About 23% of homes were built before 1960, about 2 points below DeKalb County's 25%.
The housing stock in DeKalb is 49% single-family homes, 40% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
64% of owner-occupied homes in DeKalb carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 42% of occupied homes in DeKalb are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In DeKalb, 67% of homes are primarily heated with natural gas.
FEMA rates DeKalb County's overall risk as Relatively Low, led by tornado (Relatively Moderate). DeKalb County had 166 active NFIP flood policies as of September 2026. See the full DeKalb 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 | $204,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 42% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in DeKalb County | 166 |
| 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)