Home Insurance in Danville, Indiana
With a median home value of $298,200, Danville is close to the Hendricks County median.
The typical home in Danville was built around 1991. About 22% of homes were built before 1960, about 10 points above Hendricks County's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Danville is 84% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Danville, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Danville has an owner-occupancy rate of 75% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Danville, 67% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Danville? FEMA's National Risk Index points to winter weather (Relatively High) in Hendricks County and Hendricks County had 161 active NFIP flood policies as of September 2026. See the full Hendricks 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 | $298,200 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Hendricks County | 161 |
| 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)