Home Insurance in Naperville, Illinois
The median home value in Naperville is $540,200, 38% higher than the DuPage County median.
The typical home in Naperville was built around 1990. About 6% of homes were built before 1960, about 12 points below DuPage County's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Naperville is 75% single-family homes and 20% apartments in buildings with 5+ units.
In Naperville, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Naperville has an owner-occupancy rate of 75% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
86% of homes in Naperville 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Illinois carries a statewide average premium of $1,480 per year.
Key figures
| Median home value | $540,200 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 75% |
| 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)