Home Insurance in Big Rock, Illinois
The median home value in Big Rock is $337,900, close to the Kane County median.
The typical home in Big Rock was built around 1941. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 52% of homes were built before 1960, about 28 points above Kane County's 24%.
Housing in Big Rock breaks down to 98% single-family homes.
85% of owner-occupied homes in Big Rock carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 99% of occupied homes in Big Rock are owner-occupied.
93% of homes in Big Rock are primarily heated with natural gas.
What's the biggest home insurance risk near Big Rock? 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 | $337,900 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 85% |
| 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)