Home Insurance in Carpentersville, Illinois
With a median home value of $234,100, Carpentersville is 28% lower than the Kane County median.
The typical home in Carpentersville was built around 1976. About 27% of homes were built before 1960, about 3 points above Kane County's 24%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Carpentersville, the housing stock is 85% single-family homes and 12% apartments in buildings with 5+ units.
In Carpentersville, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Carpentersville are owner-occupied.
In Carpentersville, 88% of homes are primarily heated with natural gas.
Kane County had 1,031 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). 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 | $234,100 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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
- West Dundee
- Sleepy Hollow
- Algonquin
- East Dundee
- Lake in the Hills
- Gilberts
- Barrington Hills
- Trout Valley
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)