Home Insurance in Plainfield, Illinois
With a median home value of $431,400, Plainfield is 35% higher than the Will County median.
The typical home in Plainfield was built around 2003. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 5% of homes were built before 1960, about 11 points below Will County's 15%.
The housing stock in Plainfield is 92% single-family homes and 6% apartments in buildings with 5+ units.
About 76% of owner-occupied homes in Plainfield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Plainfield has an owner-occupancy rate of 88% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
90% of homes in Plainfield 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.
In Illinois, the statewide average premium for a standard HO-3 homeowners policy is $1,480 per year (NAIC, 2023 data).
Key figures
| Median home value | $431,400 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)