Home Insurance in Dyer, Indiana
Homes in Dyer carry a median value of $322,200 - 40% higher than the Lake County median.
The typical home in Dyer was built around 1993. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 9% of homes were built before 1960, about 30 points below Lake County's 39%.
In Dyer, the housing stock is 91% single-family homes and 8% apartments in buildings with 5+ units.
In Dyer, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Dyer has an owner-occupancy rate of 88% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Dyer, 90% of homes are primarily heated with natural gas.
Lake County had 1,005 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). See the full Lake 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 | $322,200 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Lake County | 1,005 |
| 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)