Home Insurance in Royal Center, Indiana
With a median home value of $83,800, Royal Center is 37% lower than the Cass County median.
The median home in Royal Center was built in 1939 or earlier. About 78% of homes were built before 1960, about 23 points above Cass County's 54%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Royal Center, the housing stock is 87% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
53% of owner-occupied homes in Royal Center carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Royal Center are owner-occupied.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Royal Center, 68% of homes are primarily heated with natural gas.
Cass County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Cass County had 87 active NFIP flood policies as of September 2026. See the full Cass County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Indiana carries a statewide average premium of $1,259 per year.
Key figures
| Median home value | $83,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Cass County | 87 |
| 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)