Home Insurance in Gilberts, Illinois
Homes in Gilberts carry a median value of $347,300 - 6% higher than the Kane County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Gilberts was built around 2005. About 11% of homes were built before 1960, about 13 points below Kane County's 24%.
In Gilberts, the housing stock is 100% single-family homes.
In Gilberts, about 78% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Gilberts are owner-occupied.
Most homes in Gilberts - 95% - 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 | $347,300 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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
- Pingree Grove
- Carpentersville
- Algonquin
- Elgin
- Lake in the Hills
- East Dundee
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)