Home Insurance in Yorktown, Indiana
The median home value in Yorktown is $186,700, 34% higher than the Delaware County median.
The typical home in Yorktown was built around 1972. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 20% of homes were built before 1960, about 19 points below Delaware County's 39%.
The housing stock in Yorktown is 92% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
68% of owner-occupied homes in Yorktown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Yorktown are owner-occupied.
In Yorktown, 63% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Yorktown? FEMA's National Risk Index points to tornado (Relatively High) in Delaware County and 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.
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 | $186,700 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)