Home Insurance in Pingree Grove, Illinois
With a median home value of $320,800, Pingree Grove is close to the Kane County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Pingree Grove was built around 2010. About 5% of homes were built before 1960, about 19 points below Kane County's 24%.
Housing in Pingree Grove breaks down to 98% single-family homes.
About 72% of owner-occupied homes in Pingree Grove have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 99% of occupied homes in Pingree Grove are owner-occupied.
Most homes in Pingree Grove - 91% - are primarily heated with natural gas.
What's the biggest home insurance risk near Pingree Grove? FEMA's National Risk Index points to tornado (Relatively High) in Kane County and 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 | $320,800 |
|---|---|
| Median year built | 2010 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)