Home Insurance in Nashville, Indiana
With a median home value of $294,900, Nashville is 10% higher than the Brown County median.
The typical home in Nashville was built around 1979. About 38% of homes were built before 1960, about 20 points above Brown County's 19%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Nashville is 70% single-family homes, 22% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
67% of owner-occupied homes in Nashville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 60% of occupied homes in Nashville are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Nashville, 53% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Nashville? FEMA's National Risk Index points to tornado (Relatively Low) in Brown County and Brown County had 83 active NFIP flood policies as of September 2026. See the full Brown 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 | $294,900 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Brown County | 83 |
| 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)