Home Insurance in West Dundee, Illinois
Homes in West Dundee carry a median value of $360,800 - 10% higher than the Kane County median.
The typical home in West Dundee was built around 1989. About 24% of homes were built before 1960, in line with Kane County (24%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in West Dundee is 59% single-family homes and 33% apartments in buildings with 5+ units.
77% of owner-occupied homes in West Dundee carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in West Dundee are owner-occupied.
75% of homes in West Dundee 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 | $360,800 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)