Home Insurance in Utica, Indiana
The median home value in Utica is $241,300, 8% higher than the Clark County median.
The typical home in Utica was built around 2002. About 15% of homes were built before 1960, about 6 points below Clark County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Utica, the housing stock is 92% single-family homes and 2% mobile or manufactured homes.
In Utica, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Utica has an owner-occupancy rate of 81% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
66% of homes in Utica are primarily heated with natural gas.
What's the biggest home insurance risk near Utica? FEMA's National Risk Index points to strong wind (Relatively High) in Clark County and 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.
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 | $241,300 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)