Home Insurance in Dunkirk, Indiana
Homes in Dunkirk carry a median value of $81,100 - 31% lower than the Jay County median.
The typical home in Dunkirk was built around 1954. About 58% of homes were built before 1960, about 6 points above Jay County's 51%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Dunkirk, the housing stock is 89% single-family homes, 4% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 65% of owner-occupied homes in Dunkirk have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 72% of occupied homes in Dunkirk are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Dunkirk - 70% - are primarily heated with natural gas.
Jay County's top FEMA-rated hazard is tornado (Relatively Low), per FEMA's National Risk Index. Jay County had 17 active NFIP flood policies as of September 2026. See the full Jay 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 | $81,100 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Jay County | 17 |
| 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)