Home Insurance in Roselle, Illinois
The median home value in Roselle is $344,700, 12% lower 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 Roselle was built around 1977. About 12% of homes were built before 1960, about 6 points below DuPage County's 18%.
The housing stock in Roselle is 73% single-family homes and 14% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
69% of owner-occupied homes in Roselle carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Roselle has an owner-occupancy rate of 78% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
87% of homes in Roselle are primarily heated with natural gas.
What's the biggest home insurance risk near Roselle? FEMA's National Risk Index points to tornado (Very High) in DuPage County and 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 | $344,700 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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
- Bloomingdale
- Hanover Park
- Schaumburg
- Itasca
- Glendale Heights
- Carol Stream
- Bartlett
- Elk Grove Village
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)