Home Insurance in Woodburn, Indiana
The median home value in Woodburn is $137,000, 36% lower than the Allen County median.
The typical home in Woodburn was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 28% of homes were built before 1960, in line with Allen County (28%).
The housing stock in Woodburn is 80% single-family homes, 5% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 64% of owner-occupied homes in Woodburn have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Woodburn has an owner-occupancy rate of 83% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Woodburn - 64% - 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.
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 | $137,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)