Home Insurance in Darlington, Indiana
The median home value in Darlington is $120,500, 30% lower than the Montgomery County median.
The median home in Darlington was built in 1939 or earlier. About 70% of homes were built before 1960, about 28 points above Montgomery County's 43%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Darlington is 84% single-family homes, 5% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
58% of owner-occupied homes in Darlington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Darlington has an owner-occupancy rate of 80% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 41% of homes in Darlington are primarily heated with propane.
What's the biggest home insurance risk near Darlington? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Montgomery County and Montgomery County had 38 active NFIP flood policies as of September 2026. See the full Montgomery 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 | $120,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Montgomery County | 38 |
| 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)