Home Insurance in Daleville, Indiana
With a median home value of $117,300, Daleville is 16% lower than the Delaware County median.
The typical home in Daleville was built around 1964. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 43% of homes were built before 1960, about 4 points above Delaware County's 39%.
In Daleville, the housing stock is 78% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
65% of owner-occupied homes in Daleville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 66% of occupied homes in Daleville are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Daleville - 62% - are primarily heated with natural gas.
FEMA rates Delaware County's overall risk as Relatively Low, led by tornado (Relatively High). Delaware County had 338 active NFIP flood policies as of September 2026. See the full Delaware County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Indiana is $1,259 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $117,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Delaware County | 338 |
| Home insurance premium | $1,259 - statewide average (NAIC, 2023 data) |
Nearby towns
- Chesterfield
- Middletown
- Yorktown
- Country Club Heights
- Anderson
- Woodlawn Heights
- River Forest
- Edgewood
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)