Home Insurance in Aurora, Illinois
Homes in Aurora carry a median value of $274,800 - 16% lower than the Kane County median.
The typical home in Aurora was built around 1987. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 25% of homes were built before 1960, in line with Kane County (24%).
The housing stock in Aurora is 75% single-family homes and 16% apartments in buildings with 5+ units.
About 69% of owner-occupied homes in Aurora have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 66% of occupied homes in Aurora are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Aurora - 83% - are primarily heated with natural gas.
What's the biggest home insurance risk near Aurora? FEMA's National Risk Index points to tornado (Relatively High) in Kane County and Kane County had 1,031 active NFIP flood policies as of September 2026. See the full Kane 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 | $274,800 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Kane County | 1,031 |
| 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)