Home Insurance in Antioch, Illinois
The median home value in Antioch is $306,700, 11% lower than the Lake County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Antioch was built around 1991. About 13% of homes were built before 1960, about 8 points below Lake County's 21%.
The housing stock in Antioch is 77% single-family homes, 17% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 74% of owner-occupied homes in Antioch have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Antioch has an owner-occupancy rate of 74% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Antioch - 83% - are primarily heated with natural gas.
FEMA rates Lake County's overall risk as Relatively High, led by tornado (Very High). Lake County had 2,078 active NFIP flood policies as of September 2026. See the full Lake 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 | $306,700 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Lake County | 2,078 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Nearby towns
- Lake Villa
- Lindenhurst
- Old Mill Creek
- Round Lake Beach
- Round Lake Heights
- Fox Lake
- Wadsworth
- Spring Grove
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)