Home Insurance in Blackford County, Indiana
The median home value in Blackford County is $107,500, 51% lower than the Indiana median.
The typical home in Blackford County was built around 1960. About 51% of homes were built before 1960, about 19 points above Indiana's 31%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Blackford County, the housing stock is 80% single-family homes, 8% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
50% of owner-occupied homes in Blackford County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Blackford County has an owner-occupancy rate of 74% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
45% of homes in Blackford County 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.
FEMA's National Risk Index lists tornado (Relatively Low), earthquake (Very Low) and strong wind (Relatively Low) as the leading hazards for Blackford County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Blackford County had 4 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $107,500 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Low), Earthquake (Very Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 4 |
| Home insurance premium | $1,259 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)