Home Insurance in English, Indiana
The median home value in English is $94,700, 20% lower than the Crawford County median.
The typical home in English was built around 1975. About 34% of homes were built before 1960, about 15 points above Crawford County's 19%. 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 English is 71% single-family homes, 13% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
70% of owner-occupied homes in English carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in English are owner-occupied.
In English, 45% of homes 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.
What's the biggest home insurance risk near English? FEMA's National Risk Index points to tornado (Relatively Low) in Crawford County and Crawford County had 18 active NFIP flood policies as of September 2026. See the full Crawford 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 | $94,700 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Crawford County | 18 |
| 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)