Home Insurance in Holland, Indiana
Homes in Holland carry a median value of $117,900 - 49% lower than the Dubois County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Holland was built around 1959. About 53% of homes were built before 1960, about 26 points above Dubois County's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Holland is 87% single-family homes, 4% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 60% of owner-occupied homes in Holland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 81% of occupied homes in Holland are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Holland - 86% - are primarily heated with natural gas.
What's the biggest home insurance risk near Holland? FEMA's National Risk Index points to earthquake (Relatively Low) in Dubois County and 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 | $117,900 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)