Home Insurance in Plainville, Indiana
Homes in Plainville carry a median value of $100,000 - 49% lower than the Daviess County median.
The typical home in Plainville was built around 1955. About 59% of homes were built before 1960, about 23 points above Daviess County's 35%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Plainville, the housing stock is 85% single-family homes, 1% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 47% of owner-occupied homes in Plainville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Plainville has an owner-occupancy rate of 62% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Plainville - 66% - are primarily heated with natural gas.
FEMA rates Daviess County's overall risk as Relatively Low, led by earthquake (Relatively Low). Daviess County had 15 active NFIP flood policies as of September 2026. See the full Daviess County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $100,000 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Daviess County | 15 |
| 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)