Home Insurance in Kingston, Illinois
With a median home value of $241,700, Kingston is close to the DeKalb County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Kingston was built around 1991. About 33% of homes were built before 1960, about 8 points above DeKalb County's 25%.
The housing stock in Kingston is 89% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 80% of owner-occupied homes in Kingston have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Kingston are owner-occupied.
In Kingston, 90% 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Illinois carries a statewide average premium of $1,480 per year.
Key figures
| Median home value | $241,700 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)