Home Insurance in Fort Wayne, Indiana
Homes in Fort Wayne carry a median value of $188,900 - 12% lower than the Allen County median.
The typical home in Fort Wayne was built around 1972. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 32% of homes were built before 1960, about 4 points above Allen County's 28%.
Housing in Fort Wayne breaks down to 71% single-family homes, 19% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
63% of owner-occupied homes in Fort Wayne carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Fort Wayne has an owner-occupancy rate of 62% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Fort Wayne, 71% of homes are primarily heated with natural gas.
Allen County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Allen County had 586 active NFIP flood policies as of September 2026. See the full Allen 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 | $188,900 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Allen County | 586 |
| 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)