Home Insurance in Ogden Dunes, Indiana
The median home value in Ogden Dunes is $492,300, 75% higher than the Porter County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ogden Dunes was built around 1960. About 51% of homes were built before 1960, about 32 points above Porter County's 19%.
In Ogden Dunes, the housing stock is 100% single-family homes.
57% of owner-occupied homes in Ogden Dunes carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ogden Dunes has an owner-occupancy rate of 99% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
93% of homes in Ogden Dunes 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Indiana carries a statewide average premium of $1,259 per year.
Key figures
| Median home value | $492,300 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)