Home Insurance in Orland, Indiana
Homes in Orland carry a median value of $130,100 - 40% lower than the Steuben County median.
The typical home in Orland was built around 1949. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 59% of homes were built before 1960, about 30 points above Steuben County's 28%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Orland is 78% single-family homes, 4% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Orland, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Orland are owner-occupied.
Most homes in Orland - 81% - are primarily heated with natural gas.
Steuben County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Steuben County had 107 active NFIP flood policies as of September 2026. See the full Steuben 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 | $130,100 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Steuben County | 107 |
| 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)