Home Insurance in Dune Acres, Indiana
The median home value in Dune Acres is $809,200, 187% higher than the Porter County median.
The typical home in Dune Acres was built around 1969. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 35% of homes were built before 1960, about 16 points above Porter County's 19%.
Housing in Dune Acres breaks down to 100% single-family homes.
62% of owner-occupied homes in Dune Acres carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Dune Acres are owner-occupied.
Most homes in Dune Acres - 93% - are primarily heated with natural gas.
Porter County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Porter County had 129 active NFIP flood policies as of September 2026. See the full Porter 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 | $809,200 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Porter County | 129 |
| 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)