Home Insurance in Oxford, Indiana
With a median home value of $121,800, Oxford is 19% 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 Oxford was built around 1950. About 58% of homes were built before 1960, in line with Benton County (58%).
Housing in Oxford breaks down to 89% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Oxford, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Oxford are owner-occupied.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Oxford - 78% - are primarily heated with natural gas.
What's the biggest home insurance risk near Oxford? FEMA's National Risk Index points to earthquake (Very Low) in Benton County and 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 | $121,800 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)