Home Insurance in Beach Park, Illinois
Homes in Beach Park carry a median value of $245,800 - 29% lower than the Lake County median.
The typical home in Beach Park was built around 1986. About 17% of homes were built before 1960, about 4 points below Lake County's 21%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Beach Park is 84% single-family homes, 1% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Beach Park, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Beach Park has an owner-occupancy rate of 87% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Beach Park, 89% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Beach Park? FEMA's National Risk Index points to tornado (Very High) in Lake County and 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Illinois carries a statewide average premium of $1,480 per year.
Key figures
| Median home value | $245,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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
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)