Home Insurance in Clifford, Indiana
The median home value in Clifford is $125,900, 46% lower than the Bartholomew County median.
The typical home in Clifford was built around 1965. About 47% of homes were built before 1960, about 23 points above Bartholomew County's 24%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Clifford is 65% single-family homes, 5% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Clifford, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Clifford has an owner-occupancy rate of 42% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Most homes in Clifford - 51% - are primarily heated with natural gas.
FEMA rates Bartholomew County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Bartholomew County had 436 active NFIP flood policies as of September 2026. See the full Bartholomew 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 | $125,900 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 42% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Bartholomew County | 436 |
| 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)