Home Insurance in Millbrook, Illinois
Homes in Millbrook carry a median value of $361,900 - 12% higher than the Kendall County median.
The typical home in Millbrook was built around 1987. About 26% of homes were built before 1960, about 17 points above Kendall County's 9%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Millbrook is 100% single-family homes.
About 74% of owner-occupied homes in Millbrook have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 99% of occupied homes in Millbrook are owner-occupied.
In Millbrook, 94% of homes are primarily heated with natural gas.
Kendall County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. 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.
The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $361,900 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)