Home Insurance in Kane County, Illinois
The median home value in Kane County is $327,000, 24% higher than the Illinois median.
The typical home in Kane County was built around 1985. About 24% of homes were built before 1960, about 14 points below Illinois's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Kane County breaks down to 81% single-family homes, 12% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Kane County, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Kane County are owner-occupied.
In Kane County, 86% of homes are primarily heated with natural gas.
The top hazards for Kane County, per FEMA's National Risk Index, are tornado (Relatively High), inland flooding (Relatively High) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Kane County had 1,031 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $327,000 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Inland Flooding (Relatively High), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 1,031 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
- Aurora
- Batavia
- Big Rock
- Burlington
- Campton Hills
- Carpentersville
- East Dundee
- Elburn
- Elgin
- Geneva
- Gilberts
- Hampshire
- Kaneville
- Lily Lake
- North Aurora
- Pingree Grove
- Sleepy Hollow
- South Elgin
- St. Charles
- Sugar Grove
- Virgil
- West Dundee
Sources
- 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)