Home Insurance in Union Hill, Illinois
Homes in Union Hill carry a median value of $158,300 - 18% lower than the Kankakee County median.
The median home in Union Hill was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 79% of homes were built before 1960, about 46 points above Kankakee County's 32%.
The housing stock in Union Hill is 100% single-family homes.
About 54% of owner-occupied homes in Union Hill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 86% of occupied homes in Union Hill are owner-occupied.
In Union Hill, 100% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Union Hill? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Kankakee County and 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.
In Illinois, the statewide average premium for a standard HO-3 homeowners policy is $1,480 per year (NAIC, 2023 data).
Key figures
| Median home value | $158,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)