Home Insurance in Columbus, Indiana
The median home value in Columbus is $244,200, close to the Bartholomew County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Columbus was built around 1982. About 23% of homes were built before 1960, in line with Bartholomew County (24%).
In Columbus, the housing stock is 71% single-family homes, 21% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
69% of owner-occupied homes in Columbus carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Columbus has an owner-occupancy rate of 61% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Columbus - 60% - are primarily heated with natural gas.
Bartholomew County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Indiana carries a statewide average premium of $1,259 per year.
Key figures
| Median home value | $244,200 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)