Home Insurance in Camden, Indiana
Homes in Camden carry a median value of $107,700 - 40% lower than the Carroll County median.
The typical home in Camden was built around 1952. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 68% of homes were built before 1960, about 23 points above Carroll County's 45%.
The housing stock in Camden is 80% single-family homes, 9% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in Camden have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Camden has an owner-occupancy rate of 79% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Camden, 65% of homes 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 | $107,700 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)