Home Insurance in Middlebury, Indiana
With a median home value of $243,700, Middlebury is 16% higher than the Elkhart County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Middlebury was built around 1986. About 17% of homes were built before 1960, about 13 points below Elkhart County's 31%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Middlebury is 81% single-family homes, 3% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
In Middlebury, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 73% of occupied homes in Middlebury are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
87% of homes in Middlebury 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.
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 | $243,700 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)