Home Insurance in Campton Hills, Illinois
With a median home value of $547,500, Campton Hills is 67% higher than the Kane County median.
The typical home in Campton Hills was built around 1989. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 4% of homes were built before 1960, about 20 points below Kane County's 24%.
In Campton Hills, the housing stock is 99% single-family homes and 1% apartments in buildings with 5+ units.
70% of owner-occupied homes in Campton Hills carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 99% of occupied homes in Campton Hills are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Campton Hills, 97% of homes are primarily heated with natural gas.
FEMA rates Kane County's overall risk as Relatively High, led by tornado (Relatively High). 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 | $547,500 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)