Home Insurance in Round Lake Heights, Illinois
Homes in Round Lake Heights carry a median value of $216,800 - 37% lower than the Lake County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Round Lake Heights was built around 1990. About 35% of homes were built before 1960, about 13 points above Lake County's 21%.
The housing stock in Round Lake Heights is 94% single-family homes and 4% apartments in buildings with 5+ units.
In Round Lake Heights, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 76% of occupied homes in Round Lake Heights are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Round Lake Heights - 88% - 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.
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 | $216,800 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)