Home Insurance in Clarksville, Indiana
With a median home value of $179,700, Clarksville is 19% lower than the Clark County median.
The typical home in Clarksville was built around 1971. About 28% of homes were built before 1960, about 8 points above Clark County's 21%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Clarksville, the housing stock is 66% single-family homes, 21% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
65% of owner-occupied homes in Clarksville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Clarksville are owner-occupied.
56% of homes in Clarksville are primarily heated with natural gas.
Clark County had 719 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Clark County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $179,700 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Clark County | 719 |
| 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)