HomeInsuranceQts

Home Insurance in Lawrenceburg, Indiana

With a median home value of $227,600, Lawrenceburg is 6% lower than the Dearborn County median.

The typical home in Lawrenceburg was built around 1983. About 28% of homes were built before 1960, about 3 points above Dearborn County's 25%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.

In Lawrenceburg, the housing stock is 61% single-family homes and 37% apartments in buildings with 5+ units.

70% of owner-occupied homes in Lawrenceburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Lawrenceburg are owner-occupied.

54% of homes in Lawrenceburg are primarily heated with electricity.

Dearborn County had 84 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Dearborn 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$227,600
Median year built1983
Owner-occupied share58%
Share of owner-occupied homes with a mortgage70%
Top county hazardStrong Wind (Relatively Moderate)
Active NFIP policies in Dearborn County84
Home insurance premium$1,259 - statewide average (NAIC, 2023 data)
Key home insurance figures for Lawrenceburg, IN

Nearby towns

Sources

Data last updated: 2026-09-29