Home Insurance in Berne, Indiana
The median home value in Berne is $151,700, 15% lower than the Adams County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Berne was built around 1973. About 37% of homes were built before 1960, about 3 points below Adams County's 40%.
Housing in Berne breaks down to 72% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
71% of owner-occupied homes in Berne carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Berne has an owner-occupancy rate of 70% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Berne - 61% - are primarily heated with natural gas.
FEMA rates Adams County's overall risk as Relatively Low, led by strong wind (Relatively High). Adams County had 47 active NFIP flood policies as of September 2026. See the full Adams 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 | $151,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Adams 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)