Home Insurance in Darien, Illinois
Homes in Darien carry a median value of $398,700 - close to the DuPage County median.
The typical home in Darien was built around 1978. About 8% of homes were built before 1960, about 10 points below DuPage County's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Darien, the housing stock is 77% single-family homes and 18% apartments in buildings with 5+ units.
54% of owner-occupied homes in Darien carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 79% of occupied homes in Darien are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
85% of homes in Darien are primarily heated with natural gas.
FEMA rates DuPage County's overall risk as Relatively High, led by tornado (Very High). 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 | $398,700 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)