Home Insurance in Yorkville, Illinois
Homes in Yorkville carry a median value of $335,300 - close to the Kendall County median.
The typical home in Yorkville was built around 2003. About 5% of homes were built before 1960, about 4 points below Kendall County's 9%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Yorkville breaks down to 86% single-family homes and 10% apartments in buildings with 5+ units.
In Yorkville, about 78% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 80% of occupied homes in Yorkville are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
81% of homes in Yorkville are primarily heated with natural gas.
What's the biggest home insurance risk near Yorkville? 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.
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 | $335,300 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)