Home Insurance in Burlington, Indiana
The median home value in Burlington is $146,300, 19% lower than the Carroll County median.
The typical home in Burlington was built around 1964. About 43% of homes were built before 1960, about 2 points below Carroll County's 45%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Burlington breaks down to 91% single-family homes, 2% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 69% of owner-occupied homes in Burlington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in Burlington are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Burlington - 52% - are primarily heated with natural gas.
FEMA rates Carroll County's overall risk as Very Low, led by hail (Relatively Low). Carroll County had 209 active NFIP flood policies as of September 2026. See the full Carroll 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 | $146,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Carroll County | 209 |
| 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)