Home Insurance in Eaton, Indiana
Homes in Eaton carry a median value of $89,800 - 36% lower than the Delaware County median.
The typical home in Eaton was built around 1957. About 55% of homes were built before 1960, about 16 points above Delaware County's 39%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Eaton is 76% single-family homes, 9% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Eaton, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Eaton has an owner-occupancy rate of 73% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Eaton - 67% - are primarily heated with natural gas.
Delaware County had 338 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Delaware County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Indiana, the statewide average premium for a standard HO-3 homeowners policy is $1,259 per year (NAIC, 2023 data).
Key figures
| Median home value | $89,800 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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
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)