Home Insurance in Millersburg, Indiana
Homes in Millersburg carry a median value of $186,400 - 11% lower 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 Millersburg was built around 1971. About 42% of homes were built before 1960, about 11 points above Elkhart County's 31%.
In Millersburg, the housing stock is 83% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
67% of owner-occupied homes in Millersburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Millersburg has an owner-occupancy rate of 67% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
90% of homes in Millersburg are primarily heated with natural gas.
What's the biggest home insurance risk near Millersburg? FEMA's National Risk Index points to strong wind (Relatively High) in Elkhart County and 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 | $186,400 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)