Home Insurance in Winfield, Illinois
The median home value in Winfield is $386,300, close to the DuPage County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Winfield was built around 1986. About 8% of homes were built before 1960, about 10 points below DuPage County's 18%.
In Winfield, the housing stock is 87% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 64% of owner-occupied homes in Winfield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Winfield has an owner-occupancy rate of 92% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Winfield, 97% of homes are primarily heated with natural gas.
DuPage County had 3,337 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). 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 | $386,300 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 92% |
| 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)