Home Insurance in Huntertown, Indiana
Homes in Huntertown carry a median value of $298,200 - 39% higher than the Allen County median.
The typical home in Huntertown was built around 2011. About 5% of homes were built before 1960, about 23 points below Allen County's 28%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Huntertown, the housing stock is 96% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Huntertown, about 82% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Huntertown has an owner-occupancy rate of 92% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Huntertown - 82% - 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.
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 | $298,200 |
|---|---|
| Median year built | 2011 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 82% |
| 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)