Home Insurance in Ambia, Indiana
The median home value in Ambia is $53,300, 65% lower than the Benton County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Ambia was built around 1940. About 68% of homes were built before 1960, about 10 points above Benton County's 58%.
The housing stock in Ambia is 88% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
42% of owner-occupied homes in Ambia carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ambia has an owner-occupancy rate of 87% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
In Ambia, 91% of homes are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Benton County's top FEMA-rated hazard is earthquake (Very Low), per FEMA's National Risk Index. Benton County has no active NFIP flood policies on file. See the full Benton County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $53,300 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Earthquake (Very Low) |
| 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)