Home Insurance in DeMotte, Indiana
Homes in DeMotte carry a median value of $234,800 - 6% higher than the Jasper County median.
The typical home in DeMotte was built around 1993. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 3% of homes were built before 1960, about 20 points below Jasper County's 23%.
The housing stock in DeMotte is 78% single-family homes, 7% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In DeMotte, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in DeMotte are owner-occupied.
88% of homes in DeMotte are primarily heated with natural gas.
FEMA rates Jasper County's overall risk as Very Low, led by strong wind (Relatively Moderate). Jasper County had 116 active NFIP flood policies as of September 2026. See the full Jasper 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 | $234,800 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Jasper County | 116 |
| 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)