Home Insurance in Earl Park, Indiana
Homes in Earl Park carry a median value of $86,900 - 42% lower than the Benton County median.
The typical home in Earl Park was built around 1942. About 73% of homes were built before 1960, about 15 points above Benton County's 58%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Earl Park is 94% single-family homes and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Earl Park carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Earl Park has an owner-occupancy rate of 78% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
87% of homes in Earl Park are primarily heated with natural gas.
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.
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 | $86,900 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)