Home Insurance in Kendall County, Illinois
The median home value in Kendall County is $322,400, 22% higher than the Illinois median.
The typical home in Kendall County was built around 2001. About 9% of homes were built before 1960, about 29 points below Illinois's 38%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Kendall County, the housing stock is 91% single-family homes and 6% apartments in buildings with 5+ units.
77% of owner-occupied homes in Kendall County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kendall County has an owner-occupancy rate of 84% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Kendall County - 87% - are primarily heated with natural gas.
The top hazards for Kendall County, per FEMA's National Risk Index, are tornado (Relatively Moderate), strong wind (Relatively High) and inland flooding (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Kendall County has 111 active NFIP flood policies on file.
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 | $322,400 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 77% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Strong Wind (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 111 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
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)