Home Insurance in Grabill, Indiana
The median home value in Grabill is $150,200, 30% lower than the Allen County median.
The typical home in Grabill was built around 1977. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 31% of homes were built before 1960, about 3 points above Allen County's 28%.
In Grabill, the housing stock is 83% single-family homes, 1% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
56% of owner-occupied homes in Grabill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Grabill are owner-occupied.
68% of homes in Grabill are primarily heated with natural gas.
FEMA rates Allen County's overall risk as Relatively Moderate, led by strong wind (Relatively High). 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 | $150,200 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)