Home Insurance in Bolingbrook, Illinois
The median home value in Bolingbrook is $314,700, close to the Will County median.
The typical home in Bolingbrook was built around 1989. About 3% of homes were built before 1960, about 12 points below Will County's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Bolingbrook is 86% single-family homes and 11% apartments in buildings with 5+ units.
About 71% of owner-occupied homes in Bolingbrook have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bolingbrook has an owner-occupancy rate of 79% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Bolingbrook, 90% of homes are primarily heated with natural gas.
Will County's top FEMA-rated hazard is tornado (Very High), per FEMA's National Risk Index. Will County had 1,158 active NFIP flood policies as of September 2026. See the full Will 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 | $314,700 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Will County | 1,158 |
| 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)