Home Insurance in Oswego, Illinois
Homes in Oswego carry a median value of $344,500 - 7% higher than the Kendall County median.
The typical home in Oswego was built around 2002. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 6% of homes were built before 1960, about 3 points below Kendall County's 9%.
In Oswego, the housing stock is 90% single-family homes and 7% apartments in buildings with 5+ units.
80% of owner-occupied homes in Oswego carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Oswego are owner-occupied.
In Oswego, 93% 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 | $344,500 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)