Home Insurance in Dearborn County, Indiana
With a median home value of $243,400, Dearborn County is 12% higher than the Indiana median.
The typical home in Dearborn County was built around 1982. About 25% of homes were built before 1960, about 6 points below Indiana's 31%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Dearborn County breaks down to 85% single-family homes, 7% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Dearborn County, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 85% of occupied homes in Dearborn County are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 45% of homes in Dearborn County are primarily heated with natural gas.
The top hazards for Dearborn County, per FEMA's National Risk Index, are strong wind (Relatively Moderate), tornado (Relatively Moderate) and inland flooding (Relatively Low).
Dearborn County had 84 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Indiana carries a statewide average premium of $1,259 per year.
Key figures
| Median home value | $243,400 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Tornado (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 84 |
| Home insurance premium | $1,259 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)