Home Insurance in Wood Dale, Illinois
Homes in Wood Dale carry a median value of $318,900 - 19% lower than the DuPage County median.
The typical home in Wood Dale was built around 1973. About 17% of homes were built before 1960, in line with DuPage County (18%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wood Dale is 68% single-family homes, 25% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
64% of owner-occupied homes in Wood Dale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Wood Dale are owner-occupied.
81% of homes in Wood Dale 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.
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 | $318,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 77% |
| 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)