Home Insurance in Zionsville, Indiana
Homes in Zionsville carry a median value of $587,800 - 56% higher than the Boone County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Zionsville was built around 1999. About 9% of homes were built before 1960, about 11 points below Boone County's 20%.
Housing in Zionsville breaks down to 88% single-family homes and 10% apartments in buildings with 5+ units.
About 73% of owner-occupied homes in Zionsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Zionsville are owner-occupied.
Most homes in Zionsville - 70% - are primarily heated with natural gas.
FEMA rates Boone County's overall risk as Relatively Low, led by hail (Relatively Moderate). Boone County had 178 active NFIP flood policies as of September 2026. See the full Boone County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Indiana is $1,259 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $587,800 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Boone County | 178 |
| 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)