Home Insurance in Hinsdale, Illinois
With a median home value of $1,053,700, Hinsdale is 169% higher than the DuPage County median.
The typical home in Hinsdale was built around 1981. About 29% of homes were built before 1960, about 11 points above DuPage County's 18%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Hinsdale is 90% single-family homes and 9% apartments in buildings with 5+ units.
About 64% of owner-occupied homes in Hinsdale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hinsdale has an owner-occupancy rate of 90% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
83% of homes in Hinsdale 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.
In Illinois, the statewide average premium for a standard HO-3 homeowners policy is $1,480 per year (NAIC, 2023 data).
Key figures
| Median home value | $1,053,700 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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
- Western Springs
- Clarendon Hills
- Westmont
- Willowbrook
- Indian Head Park
- Oak Brook
- La Grange
- Countryside
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)