Home Insurance in Bristol, Indiana
With a median home value of $229,500, Bristol is 9% higher than the Elkhart County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bristol was built around 1974. About 37% of homes were built before 1960, about 6 points above Elkhart County's 31%.
Housing in Bristol breaks down to 74% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Bristol, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bristol has an owner-occupancy rate of 80% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
In Bristol, 82% of homes are primarily heated with natural gas.
Elkhart County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Elkhart County had 412 active NFIP flood policies as of September 2026. See the full Elkhart County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Indiana, the statewide average premium for a standard HO-3 homeowners policy is $1,259 per year (NAIC, 2023 data).
Key figures
| Median home value | $229,500 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Elkhart County | 412 |
| 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)