Home Insurance in East Dundee, Illinois
With a median home value of $300,000, East Dundee is 8% lower than the Kane County median.
The typical home in East Dundee was built around 1993. About 27% of homes were built before 1960, about 3 points above Kane County's 24%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in East Dundee is 70% single-family homes and 24% apartments in buildings with 5+ units.
About 71% of owner-occupied homes in East Dundee have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 69% of occupied homes in East Dundee are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in East Dundee - 86% - 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.
In Illinois, the statewide average premium for a standard HO-3 homeowners policy is $1,480 per year (NAIC, 2023 data).
Key figures
| Median home value | $300,000 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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
- Carpentersville
- Sleepy Hollow
- Barrington Hills
- West Dundee
- South Barrington
- Elgin
- Algonquin
- Gilberts
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)