Home Insurance in Cass County, Indiana
The median home value in Cass County is $133,800, 39% lower than the Indiana median.
The typical home in Cass County was built around 1956. About 54% of homes were built before 1960, about 23 points above Indiana's 31%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cass County is 82% single-family homes, 6% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
56% of owner-occupied homes in Cass County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Cass County are owner-occupied.
Most homes in Cass County - 64% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Cass County, per FEMA's National Risk Index, are strong wind (Relatively High), hail (Relatively Moderate) and inland flooding (Relatively Low).
As of September 2026, Cass County has 87 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Indiana, the statewide average premium for a standard HO-3 homeowners policy is $1,259 per year (NAIC, 2023 data).
Key figures
| Median home value | $133,800 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hail (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 87 |
| 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)