Home Insurance in Sellersburg, Indiana
The median home value in Sellersburg is $231,500, close to the Clark County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Sellersburg was built around 1979. About 19% of homes were built before 1960, about 2 points below Clark County's 21%.
The housing stock in Sellersburg is 80% single-family homes, 9% 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.
66% of owner-occupied homes in Sellersburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Sellersburg has an owner-occupancy rate of 80% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Sellersburg, 62% of homes are primarily heated with natural gas.
FEMA rates Clark County's overall risk as Relatively Moderate, led by strong wind (Relatively High). Clark County had 719 active NFIP flood policies as of September 2026. See the full Clark 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 | $231,500 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)