Home Insurance in Fowler, Indiana
Homes in Fowler carry a median value of $111,800 - 26% lower than the Benton County median.
The typical home in Fowler was built around 1952. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 67% of homes were built before 1960, about 9 points above Benton County's 58%.
Housing in Fowler breaks down to 80% single-family homes and 2% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 53% of owner-occupied homes in Fowler have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Fowler are owner-occupied.
Most homes in Fowler - 83% - are primarily heated with natural gas.
Benton County has no active NFIP flood policies on file. Its top FEMA-rated hazard is earthquake (Very Low). 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 | $111,800 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)