Home Insurance in Garrett, Indiana
With a median home value of $154,200, Garrett is 21% lower than the DeKalb County median.
The typical home in Garrett was built around 1974. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 39% of homes were built before 1960, about 2 points above DeKalb County's 37%.
The housing stock in Garrett is 78% single-family homes, 5% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 66% of owner-occupied homes in Garrett have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Garrett has an owner-occupancy rate of 80% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Garrett - 73% - are primarily heated with natural gas.
DeKalb County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. DeKalb County had 61 active NFIP flood policies as of September 2026. See the full DeKalb 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 | $154,200 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in DeKalb County | 61 |
| 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)