Home Insurance in Dillsboro, Indiana
Homes in Dillsboro carry a median value of $149,500 - 39% lower than the Dearborn County median.
The typical home in Dillsboro was built around 1965. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 41% of homes were built before 1960, about 16 points above Dearborn County's 25%.
Housing in Dillsboro breaks down to 64% single-family homes, 24% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
57% of owner-occupied homes in Dillsboro carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 58% of occupied homes in Dillsboro are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
66% of homes in Dillsboro are primarily heated with electricity.
FEMA rates Dearborn County's overall risk as Relatively Low, led by strong wind (Relatively Moderate). Dearborn County had 84 active NFIP flood policies as of September 2026. See the full Dearborn County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $149,500 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Dearborn County | 84 |
| 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)