Home Insurance in Elizabethtown, Indiana
With a median home value of $153,000, Elizabethtown is 34% lower than the Bartholomew County median.
The typical home in Elizabethtown was built around 1970. About 29% of homes were built before 1960, about 5 points above Bartholomew County's 24%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Elizabethtown is 67% single-family homes and 33% mobile or manufactured homes.
48% of owner-occupied homes in Elizabethtown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Elizabethtown has an owner-occupancy rate of 65% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Elizabethtown - 65% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 | $153,000 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)