Home Insurance in Ferdinand, Indiana
The median home value in Ferdinand is $187,900, 18% lower than the Dubois County median.
The typical home in Ferdinand was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 30% of homes were built before 1960, about 2 points above Dubois County's 27%.
In Ferdinand, the housing stock is 77% single-family homes, 6% 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 46% of owner-occupied homes in Ferdinand have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ferdinand has an owner-occupancy rate of 78% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
84% of homes in Ferdinand are primarily heated with natural gas.
FEMA rates Dubois County's overall risk as Relatively Low, led by earthquake (Relatively Low). Dubois County had 51 active NFIP flood policies as of September 2026. See the full Dubois 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 | $187,900 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Dubois County | 51 |
| 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)