Home Insurance in Ashley, Indiana
Homes in Ashley carry a median value of $132,100 - 32% lower than the DeKalb County median.
The typical home in Ashley was built around 1969. About 45% of homes were built before 1960, about 9 points above DeKalb County's 37%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Ashley breaks down to 73% single-family homes and 12% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
80% of owner-occupied homes in Ashley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 66% of occupied homes in Ashley are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Ashley - 75% - are primarily heated with natural gas.
DeKalb County had 61 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full DeKalb 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 | $132,100 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 80% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in DeKalb County | 61 |
| 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)