Home Insurance in Sleepy Hollow, Illinois
The median home value in Sleepy Hollow is $382,800, 17% higher than the Kane County median.
The typical home in Sleepy Hollow was built around 1979. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 13% of homes were built before 1960, about 11 points below Kane County's 24%.
The housing stock in Sleepy Hollow is 95% single-family homes and 3% apartments in buildings with 5+ units.
About 64% of owner-occupied homes in Sleepy Hollow have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 93% of occupied homes in Sleepy Hollow are owner-occupied.
93% of homes in Sleepy Hollow are primarily heated with natural gas.
Kane County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. 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 | $382,800 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)