Home Insurance in Burr Ridge, Illinois
The median home value in Burr Ridge is $700,400, 79% higher than the DuPage 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 Burr Ridge was built around 1990. About 8% of homes were built before 1960, about 9 points below DuPage County's 18%.
In Burr Ridge, the housing stock is 82% single-family homes and 15% apartments in buildings with 5+ units.
About 41% of owner-occupied homes in Burr Ridge have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 94% of occupied homes in Burr Ridge are owner-occupied.
In Burr Ridge, 91% of homes are primarily heated with natural gas.
DuPage County had 3,337 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). See the full DuPage 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 | $700,400 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in DuPage County | 3,337 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Nearby towns
- Willowbrook
- Indian Head Park
- Willow Springs
- Countryside
- Darien
- Hinsdale
- Western Springs
- Clarendon Hills
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)