Home Insurance in Kane, Illinois
The median home value in Kane is $80,600, 15% lower than the Greene County median.
The median home in Kane was built in 1939 or earlier. About 67% of homes were built before 1960, about 14 points above Greene County's 52%. 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 Kane is 76% single-family homes and 15% mobile or manufactured homes.
39% of owner-occupied homes in Kane carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kane has an owner-occupancy rate of 83% and a vacancy rate of 41%; unoccupied homes typically need a different coverage form.
In Kane, 73% of homes are primarily heated with natural gas.
Greene County's top FEMA-rated hazard is earthquake (Very Low), per FEMA's National Risk Index. Greene County had 15 active NFIP flood policies as of September 2026. See the full Greene County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $80,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Greene County | 15 |
| 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)