Home Insurance in Burlington, Illinois
Homes in Burlington carry a median value of $296,200 - 9% lower than the Kane County median.
The typical home in Burlington was built around 1966. About 45% of homes were built before 1960, about 21 points above Kane County's 24%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Burlington breaks down to 85% single-family homes and 10% apartments in buildings with 5+ units.
In Burlington, about 80% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 83% of occupied homes in Burlington are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Burlington - 89% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Burlington? 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.
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 | $296,200 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)