Home Insurance in Geneva, Indiana
Homes in Geneva carry a median value of $127,300 - 29% lower than the Adams County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Geneva was built around 1969. About 39% of homes were built before 1960, in line with Adams County (40%).
Housing in Geneva breaks down to 72% single-family homes, 7% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 63% of owner-occupied homes in Geneva have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Geneva has an owner-occupancy rate of 71% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
52% of homes in Geneva are primarily heated with natural gas.
What's the biggest home insurance risk near Geneva? FEMA's National Risk Index points to strong wind (Relatively High) in Adams County and 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.
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 | $127,300 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)