Home Insurance in Leo-Cedarville, Indiana
With a median home value of $370,100, Leo-Cedarville is 72% higher than the Allen County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Leo-Cedarville was built around 1994. About 16% of homes were built before 1960, about 11 points below Allen County's 28%.
Housing in Leo-Cedarville breaks down to 100% single-family homes.
About 71% of owner-occupied homes in Leo-Cedarville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 98% of occupied homes in Leo-Cedarville are owner-occupied.
93% of homes in Leo-Cedarville are primarily heated with natural gas.
Allen County had 586 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Allen County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Indiana, the statewide average premium for a standard HO-3 homeowners policy is $1,259 per year (NAIC, 2023 data).
Key figures
| Median home value | $370,100 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Allen County | 586 |
| Home insurance premium | $1,259 - 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)