Home Insurance in Cabery, Illinois
The median home value in Cabery is $107,600, 44% lower than the Kankakee County median.
The typical home in Cabery was built around 1946. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 62% of homes were built before 1960, about 29 points above Kankakee County's 32%.
In Cabery, the housing stock is 80% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Cabery, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cabery has an owner-occupancy rate of 66% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
95% of homes in Cabery are primarily heated with natural gas.
Kankakee County had 304 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). See the full Kankakee County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Illinois carries a statewide average premium of $1,480 per year.
Key figures
| Median home value | $107,600 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Kankakee County | 304 |
| 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)