HomeInsuranceQts

Home Insurance in Dublin, Indiana

With a median home value of $97,700, Dublin is 30% lower than the Wayne County median.

The median home in Dublin was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 70% of homes were built before 1960, about 19 points above Wayne County's 50%.

Housing in Dublin breaks down to 81% single-family homes, 17% apartments in buildings with 5+ units and 2% mobile or manufactured homes.

In Dublin, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Dublin are owner-occupied.

87% of homes in Dublin are primarily heated with natural gas.

FEMA rates Wayne County's overall risk as Relatively Low, led by tornado (Relatively High). Wayne County had 93 active NFIP flood policies as of September 2026. See the full Wayne 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$97,700
Median year built1939 or earlier
Owner-occupied share77%
Share of owner-occupied homes with a mortgage53%
Top county hazardTornado (Relatively High)
Active NFIP policies in Wayne County93
Home insurance premium$1,259 - statewide average (NAIC, 2023 data)
Key home insurance figures for Dublin, IN

Nearby towns

Sources

Data last updated: 2026-09-29