HomeInsuranceQts

Home Insurance in Limestone, Illinois

The median home value in Limestone is $212,200, 10% higher than the Kankakee County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Limestone was built around 1968. About 27% of homes were built before 1960, about 5 points below Kankakee County's 32%.

In Limestone, the housing stock is 98% single-family homes.

About 63% of owner-occupied homes in Limestone have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

Limestone has an owner-occupancy rate of 94% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.

Most homes in Limestone - 97% - are primarily heated with natural gas.

FEMA rates Kankakee County's overall risk as Relatively Moderate, led by inland flooding (Relatively Moderate). Kankakee County had 304 active NFIP flood policies as of September 2026. 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$212,200
Median year built1968
Owner-occupied share94%
Share of owner-occupied homes with a mortgage63%
Top county hazardInland Flooding (Relatively Moderate)
Active NFIP policies in Kankakee County304
Home insurance premium$1,480 - statewide average (NAIC, 2023 data)
Key home insurance figures for Limestone, IL

Nearby towns

Sources

Data last updated: 2026-09-29