Illinois Home InsuranceHome insurance in Illinois
Illinois recorded 2,210 damaging hail events in the last 10 years, and they did not fall evenly. Where you live in the state changes the answer — start with your city.
Start with your city
Hail, flood discounts and the age of the housing all change from one part of Illinois to the next, and those are what move a premium. Each of these covers one city in detail:
| City | County hail, 10 yrs | Flood discount | Typical home built |
|---|---|---|---|
| Joliet | 58 | None | 1986 |
| Naperville | 48 | Class 10 | 1989 |
| Rockford | 57 | Class 7, 15% off | 1962 |
Hail: NOAA Storm Events, events of one inch or larger in the city's county. Flood discount: FEMA Community Rating System. Housing: Census ACS.
Illinois's housing
The typical Illinois home was built in 1970, and the median owner-occupied home is valued at $250,500. 66.8% of occupied homes are lived in by their owners.
Source: US Census Bureau, American Community Survey 2023 5-year.
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