Home Insurance in Clarendon Hills, Illinois
With a median home value of $605,800, Clarendon Hills is 55% higher than the DuPage County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Clarendon Hills was built around 1982. About 29% of homes were built before 1960, about 12 points above DuPage County's 18%.
Housing in Clarendon Hills breaks down to 75% single-family homes and 21% apartments in buildings with 5+ units.
In Clarendon Hills, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Clarendon Hills are owner-occupied.
In Clarendon Hills, 90% of homes are primarily heated with natural gas.
DuPage County's top FEMA-rated hazard is tornado (Very High), per FEMA's National Risk Index. DuPage County had 3,337 active NFIP flood policies as of September 2026. 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 | $605,800 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)