Home Insurance in Lisbon, Illinois
With a median home value of $231,300, Lisbon is 28% lower than the Kendall County median.
The typical home in Lisbon was built around 1954. About 61% of homes were built before 1960, about 53 points above Kendall County's 9%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Lisbon breaks down to 97% single-family homes.
About 70% of owner-occupied homes in Lisbon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lisbon has an owner-occupancy rate of 88% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Lisbon - 87% - are primarily heated with natural gas.
What's the biggest home insurance risk near Lisbon? FEMA's National Risk Index points to tornado (Relatively Moderate) in Kendall County and Kendall County had 111 active NFIP flood policies as of September 2026. See the full Kendall County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $231,300 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Kendall County | 111 |
| 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)