Home Insurance in Kildeer, Illinois
With a median home value of $770,700, Kildeer is 123% higher than the Lake County median.
The typical home in Kildeer was built around 1992. About 1% of homes were built before 1960, about 20 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.
In Kildeer, the housing stock is 99% single-family homes and 1% apartments in buildings with 5+ units.
68% of owner-occupied homes in Kildeer carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 99% of occupied homes in Kildeer are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Kildeer, 95% of homes 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.
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 | $770,700 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)