Home Insurance in Mazon, Illinois
Homes in Mazon carry a median value of $207,700 - 24% lower than the Grundy County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Mazon was built around 1977. About 33% of homes were built before 1960, about 12 points above Grundy County's 20%.
In Mazon, the housing stock is 89% single-family homes and 1% apartments in buildings with 5+ units.
About 71% of owner-occupied homes in Mazon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Mazon has an owner-occupancy rate of 81% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
82% of homes in Mazon are primarily heated with natural gas.
What's the biggest home insurance risk near Mazon? FEMA's National Risk Index points to tornado (Relatively Moderate) in Grundy County and Grundy County had 167 active NFIP flood policies as of September 2026. 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 | $207,700 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)