Home Insurance in DuPage County, Illinois
With a median home value of $391,400, DuPage County is 49% higher than the Illinois median.
The typical home in DuPage County was built around 1978. About 18% of homes were built before 1960, about 20 points below Illinois's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in DuPage County breaks down to 70% single-family homes and 25% apartments in buildings with 5+ units.
About 65% of owner-occupied homes in DuPage County 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 73% of occupied homes in DuPage County are owner-occupied.
Most homes in DuPage County - 83% - are primarily heated with natural gas.
Per FEMA's National Risk Index, DuPage County's top hazards are tornado (Very High), strong wind (Very High) and inland flooding (Relatively High).
DuPage County had 3,337 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $391,400 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Tornado (Very High), Strong Wind (Very High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 3,337 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
- Addison
- Bartlett
- Bensenville
- Bloomingdale
- Burr Ridge
- Carol Stream
- Clarendon Hills
- Darien
- Elmhurst
- Glen Ellyn
- Glendale Heights
- Hanover Park
- Hinsdale
- Itasca
- Lisle
- Lombard
- Naperville
- Oak Brook
- Oakbrook Terrace
- Roselle
- Villa Park
- Warrenville
- Wayne
- West Chicago
- Westmont
- Wheaton
- Willowbrook
- Winfield
- Wood Dale
Smaller communities
-
Downers Grove
- Median home value: $449,800
- Median year built: 1974
- Owner-occupied share: 75%
-
Woodridge
- Median home value: $363,700
- Median year built: 1982
- Owner-occupied share: 68%
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)