Home Insurance in Lindenhurst, Illinois
With a median home value of $294,100, Lindenhurst is 15% lower than the Lake County median.
The typical home in Lindenhurst was built around 1989. About 8% of homes were built before 1960, about 14 points below Lake County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Lindenhurst is 93% single-family homes and 5% apartments in buildings with 5+ units.
In Lindenhurst, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lindenhurst has an owner-occupancy rate of 86% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Lindenhurst - 95% - are primarily heated with natural gas.
Lake County's top FEMA-rated hazard is tornado (Very High), per FEMA's National Risk Index. 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 | $294,100 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)