Home Insurance in East Brooklyn, Illinois
The median home value in East Brooklyn is $232,100, 15% lower than the Grundy County median.
The typical home in East Brooklyn was built around 1966. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 39% of homes were built before 1960, about 19 points above Grundy County's 20%.
Housing in East Brooklyn breaks down to 100% single-family homes.
In East Brooklyn, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
East Brooklyn has an owner-occupancy rate of 89% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Most homes in East Brooklyn - 82% - are primarily heated with natural gas.
Grundy County had 167 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Grundy 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 | $232,100 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Grundy County | 167 |
| 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)