Home Insurance in Plano, Illinois
Homes in Plano carry a median value of $230,700 - 28% lower than the Kendall County median.
The typical home in Plano was built around 2002. About 21% of homes were built before 1960, about 13 points above Kendall County's 9%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Plano, the housing stock is 91% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
81% of owner-occupied homes in Plano carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Plano has an owner-occupancy rate of 70% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Plano, 91% of homes are primarily heated with natural gas.
Kendall County had 111 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Kendall County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $230,700 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 81% |
| 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)