Home Insurance in St. Leon, Indiana
Homes in St. Leon carry a median value of $280,800 - 15% higher than the Dearborn County median.
The typical home in St. Leon was built around 1990. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 18% of homes were built before 1960, about 7 points below Dearborn County's 25%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in St. Leon is 73% single-family homes, 19% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
In St. Leon, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
St. Leon has an owner-occupancy rate of 69% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In St. Leon, 58% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Dearborn County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. 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 | $280,800 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)