HomeInsuranceQts

Home Insurance in Kaneville, Illinois

With a median home value of $318,100, Kaneville is close to the Kane County median.

Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Kaneville was built around 1971. About 45% of homes were built before 1960, about 21 points above Kane County's 24%.

Housing in Kaneville breaks down to 86% single-family homes, 12% apartments in buildings with 5+ units and 1% mobile or manufactured homes.

In Kaneville, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Kaneville are owner-occupied.

In Kaneville, 79% 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$318,100
Median year built1971
Owner-occupied share84%
Share of owner-occupied homes with a mortgage56%
Top county hazardTornado (Relatively High)
Active NFIP policies in Kane County1,031
Home insurance premium$1,480 - statewide average (NAIC, 2023 data)
Key home insurance figures for Kaneville, IL

Nearby towns

Sources

Data last updated: 2026-09-29