Moving Guide
Moving to Lemont?
Everything you need to know before you move — safety data, local real estate agents, home security options, and what it means for your insurance.
Exceptionally Safe
Chicago Metro Suburb · Cook / DuPage / Will County
What the safety score means for you
90/100
Safety Score
1.1/1k
Violent Crime
9/1k
Property Crime
28
Walk Score
Charming historic town along the Illinois & Michigan Canal. Lemont High School is consistently one of Illinois's best.
How Lemont compares
What the numbers mean for you
Both violent and property crime are below average here — a genuinely safe profile across the board.
Trend: Down 4% YoY
Crime in Lemont has dropped 4% year-over-year — a meaningful improvement that typically takes 2–3 years to fully reflect in insurance premiums and home prices. Buyers who move now may benefit before the market prices in the trend.
Nearby suburbs for comparison
Safety data sourced from FBI UCR / Illinois State Police Annual Report. Violent and property crime rates are per 1,000 residents. Illinois statewide averages: violent 4/1k, property 19.8/1k. Scores reflect the most recent annual reporting period available.
What to know before you move
- Lemont has a violent crime rate of 1.1 per 1,000 residents — well below the Illinois average of ~4.0 per 1,000.
- Property crime rate: 9 per 1,000. Lock vehicles and use a garage when possible.
- Trend: Crime down 4% year-over-year.
$368K
Median Home Price
$1,700
Median Rent / Mo
48 min
Commute to Loop · Metra BNSF (Downers Grove)
9/10
School Rating
Find a Local Real Estate Agent in Lemont
Safety data tells you the neighborhood's overall profile. A local agent who works this area regularly knows something the data can't show: which specific blocks, buildings, and streets within that profile are worth your attention — and which ones to skip.
What a local agent knows that the data doesn't
- Which blocks within the same ZIP code have meaningfully different incident histories
- Which buildings or developments have had repeated property crime issues
- Where neighborhood safety boundaries actually fall — not where the map says they do
- Whether a trend in the data is driven by one hotspot or spread across the whole area
The right question to ask any agent
"The right question to ask any agent: 'Walk me through the safety profile of the specific block I'm considering.' If they can't answer that, they don't know the area well enough."
Lemont at a glance
Ready to find an agent?
Look for someone who can speak to Lemont's safety profile at the block level — not just the neighborhood average.
Referral partner link — coming soon
Protect Your New Home in Lemont
A home security system is worth considering in any new home — not because of fear, but because moving is a natural moment to assess what's already in place and what you might want to add. The right setup depends on your specific address, not just the neighborhood average.
What the safety score tells you about security needs
Exceptionally Safe
Safety score: 90/100 · Property crime: 9/1k residents
A high safety score means your neighborhood has low baseline crime. Standard precautions — re-keying locks, a video doorbell, exterior lighting — are generally sufficient. A monitored system is a personal preference at this level, not a necessity.
First 30 days in any new home
- 1.Re-key all exterior locks — you don't know who has copies from the previous owner or tenant
- 2.Test all existing window and door locks; replace any that don't latch securely
- 3.Install a video doorbell on the primary entry — covers package theft and visitor logs
- 4.Add motion-activated lighting at rear and side entries
- 5.Locate your electrical panel, water shutoff, and any existing alarm system hardware
Property crime in context
Lemont's property crime rate is 9 per 1,000 residents (Illinois average: 19.8/1k). This is well below average. The most common incidents at this level are opportunistic — unlocked cars, unsecured packages. Basic precautions cover the majority of risk.
Source: Illinois State Police Annual Report. Property crime includes burglary, theft, and motor vehicle theft.
What to look for when comparing systems
Professional monitoring vs. self-monitoring
Professional monitoring dispatches police or fire automatically. Self-monitoring sends alerts to your phone — you decide whether to call. Cost difference is typically $10–$30/month.
Contract length
Some providers require 2–3 year contracts. Month-to-month options exist but often cost more per month. Factor this in if you're renting or unsure how long you'll stay.
Insurance discount eligibility
Most Illinois homeowners and renters insurers offer a 5–15% discount for a professionally monitored system. Ask your insurer what documentation they require before you sign up.
Equipment ownership
Some systems lease equipment; others let you own it outright. Owned equipment moves with you. Leased equipment stays with the property — confirm before signing.
Stay informed after you move
Sign up for IllinoisCrime.com ZIP alerts for 60439 — free weekly safety summaries and breaking incident alerts for your specific area.
Ready to compare systems?
See side-by-side pricing, contract terms, and monitoring options for systems available in Lemont.
Security affiliate link — coming soon
What Moving to Lemont Could Mean for Your Insurance
Insurers use your specific address — not just your neighborhood — to calculate premiums. Crime data is one input among several, alongside your home's age, construction type, claims history, and the carrier's own loss experience in that ZIP code. What the safety score tells you is where your address sits relative to the state, which is useful context when you're shopping quotes.
How location factors into insurance pricing
Crime and theft data
Carriers pull ZIP-level crime data — particularly property crime rates — as part of their underwriting model. A lower property crime rate in your area is generally a favorable signal, though it's one factor among many and its weight varies by carrier.
Claims history for the address
Insurers also look at prior claims filed at your specific address, not just the neighborhood. A home with a history of water damage or theft claims may carry a higher rate regardless of the surrounding area's safety score.
ZIP code loss experience
Beyond crime, carriers track their own payout history by ZIP code. A ZIP with high weather-related claims or frequent liability incidents can affect rates even in a low-crime area.
Security system discounts
Most Illinois homeowners and renters insurers offer a discount for a professionally monitored alarm system. The range varies by carrier — ask specifically what documentation is required and whether the discount applies to both dwelling and personal property coverage.
What to know before you apply
Illinois insurers will pull your new address's claim history and crime data automatically during underwriting. Be accurate about prior claims — misrepresentation can void coverage.
Lemont's safety profile as an underwriting input
A
Safety grade
9/1k
Property crime rate
Lemont's property crime rate is well below the Illinois average of 19.8/1k. This is generally a favorable input in an insurer's underwriting model, though your final premium will also depend on the specific address, home characteristics, and the carrier's own loss experience in this ZIP.
Questions worth asking when you get quotes
- 1.Does my new address's crime index affect my rate, and by how much?
- 2.What discount do you offer for a professionally monitored alarm system?
- 3.Does the prior claims history at this address affect my premium?
- 4.How does this ZIP code's loss experience compare to my current address?
Ready to compare rates?
Get quotes from multiple Illinois-licensed carriers using your new Lemont address.
Insurance affiliate link — coming soon
Stay informed after you move
Subscribe to Crime Pulse Daily — get breaking alerts, weekly safety reports, and most wanted updates for your ZIP.
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