Home Insurance in Carol Stream, Illinois
The median home value in Carol Stream is $335,000, 14% lower than the DuPage County median.
The typical home in Carol Stream was built around 1984. About 6% of homes were built before 1960, about 12 points below DuPage County's 18%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Carol Stream, the housing stock is 65% single-family homes and 31% apartments in buildings with 5+ units.
In Carol Stream, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Carol Stream has an owner-occupancy rate of 67% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Carol Stream - 79% - 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 | $335,000 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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
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)