Home Insurance in Paoli, Indiana
Homes in Paoli carry a median value of $150,700 - 5% 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 Paoli was built around 1969. About 33% of homes were built before 1960, about 5 points above Orange County's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Paoli is 67% single-family homes, 6% apartments in buildings with 5+ units and 16% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 50% of owner-occupied homes in Paoli have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Paoli has an owner-occupancy rate of 62% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Paoli - 73% - are primarily heated with natural gas.
What's the biggest home insurance risk near Paoli? FEMA's National Risk Index points to tornado (Relatively Moderate) in Orange County and 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 | $150,700 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)