Home Insurance in Villa Park, Illinois
Homes in Villa Park carry a median value of $329,000 - 16% lower than the DuPage County median.
The typical home in Villa Park was built around 1958. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 57% of homes were built before 1960, about 40 points above DuPage County's 18%.
In Villa Park, the housing stock is 79% single-family homes and 17% apartments in buildings with 5+ units.
About 64% of owner-occupied homes in Villa Park have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Villa Park are owner-occupied.
Most homes in Villa Park - 89% - 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 | $329,000 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 76% |
| 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
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)