Home Insurance in Maple Park, Illinois
With a median home value of $288,400, Maple Park is 18% higher than the DeKalb County median.
The typical home in Maple Park was built around 1996. About 22% of homes were built before 1960, about 3 points below DeKalb County's 25%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Maple Park, the housing stock is 93% single-family homes and 2% apartments in buildings with 5+ units.
75% of owner-occupied homes in Maple Park carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 75% of occupied homes in Maple Park are owner-occupied.
94% of homes in Maple Park are primarily heated with natural gas.
DeKalb County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. 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 | $288,400 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)