Home Insurance in Mokena, Illinois
The median home value in Mokena is $401,400, 26% higher than the Will County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Mokena was built around 1995. About 8% of homes were built before 1960, about 7 points below Will County's 15%.
In Mokena, the housing stock is 89% single-family homes and 7% apartments in buildings with 5+ units.
66% of owner-occupied homes in Mokena carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Mokena are owner-occupied.
Most homes in Mokena - 93% - are primarily heated with natural gas.
Will County had 1,158 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). 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 | $401,400 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)