Home Insurance in Oak Brook, Illinois
With a median home value of $903,200, Oak Brook is 131% higher than the DuPage County median.
The typical home in Oak Brook was built around 1979. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 10% of homes were built before 1960, about 8 points below DuPage County's 18%.
Housing in Oak Brook breaks down to 88% single-family homes and 12% apartments in buildings with 5+ units.
In Oak Brook, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Oak Brook has an owner-occupancy rate of 91% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Oak Brook, 83% 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.
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 | $903,200 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)