Home Insurance in Huntingburg, Indiana
With a median home value of $143,800, Huntingburg is 38% lower than the Dubois County median.
The typical home in Huntingburg was built around 1972. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 40% of homes were built before 1960, about 12 points above Dubois County's 27%.
In Huntingburg, the housing stock is 75% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
68% of owner-occupied homes in Huntingburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Huntingburg are owner-occupied.
55% of homes in Huntingburg are primarily heated with natural gas.
Dubois County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. 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.
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 | $143,800 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)