Home Insurance in Kankakee County, Illinois
The median home value in Kankakee County is $192,600, 27% lower than the Illinois median.
The typical home in Kankakee County was built around 1972. About 32% of homes were built before 1960, about 5 points below Illinois's 38%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Kankakee County, the housing stock is 76% single-family homes, 10% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 58% of owner-occupied homes in Kankakee County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 70% of occupied homes in Kankakee County are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Kankakee County - 77% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists inland flooding (Relatively Moderate), tornado (Relatively Moderate) and earthquake (Relatively Low) as the leading hazards for Kankakee County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Kankakee County has 304 active NFIP flood policies on file.
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 | $192,600 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Tornado (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 304 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
- Aroma Park
- Bonfield
- Bourbonnais
- Bradley
- Cabery
- Grant Park
- Herscher
- Hopkins Park
- Irwin
- Kankakee
- Limestone
- Manteno
- Momence
- Reddick
- Sammons Point
- St. Anne
- Sun River Terrace
- Union Hill
Smaller communities
-
Buckingham
- Median home value: $129,200
- Median year built: 1972
- Owner-occupied share: 92%
-
Essex
- Median home value: $228,200
- Median year built: 1990
- Owner-occupied share: 90%
Sources
- 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)