Home Insurance in Orleans, Indiana
Homes in Orleans carry a median value of $117,500 - 26% lower than the Orange County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Orleans was built around 1965. About 47% of homes were built before 1960, about 19 points above Orange County's 27%.
The housing stock in Orleans is 74% single-family homes, 8% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 43% of owner-occupied homes in Orleans have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Orleans has an owner-occupancy rate of 60% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Orleans - 56% - are primarily heated with natural gas.
FEMA rates Orange County's overall risk as Very Low, led by tornado (Relatively Moderate). Orange County had 47 active NFIP flood policies as of September 2026. See the full Orange 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 | $117,500 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Orange County | 47 |
| 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)