Home Insurance in Geneva, Illinois
Homes in Geneva carry a median value of $441,400 - 35% higher than the Kane County median.
The typical home in Geneva was built around 1987. About 21% of homes were built before 1960, about 3 points below Kane County's 24%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Geneva breaks down to 84% single-family homes and 8% apartments in buildings with 5+ units.
About 66% of owner-occupied homes in Geneva have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 85% of occupied homes in Geneva are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
90% of homes in Geneva 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 | $441,400 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)