Home Insurance in Virgil, Illinois
With a median home value of $296,600, Virgil is 9% lower than the Kane County median.
The typical home in Virgil was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 36% of homes were built before 1960, about 12 points above Kane County's 24%.
In Virgil, the housing stock is 100% single-family homes.
About 75% of owner-occupied homes in Virgil have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Virgil has an owner-occupancy rate of 84% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Virgil - 67% - are primarily heated with natural gas.
Kane County had 1,031 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). 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 | $296,600 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)