Home Insurance in Fountain County, Indiana
The median home value in Fountain County is $143,400, 34% lower than the Indiana median.
The typical home in Fountain County was built around 1966. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 45% of homes were built before 1960, about 14 points above Indiana's 31%.
In Fountain County, the housing stock is 77% single-family homes, 2% apartments in buildings with 5+ units and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Fountain County, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Fountain County are owner-occupied.
46% of homes in Fountain County are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists strong wind (Relatively Moderate), earthquake (Very Low) and winter weather (Relatively Low) as the leading hazards for Fountain County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Fountain County had 10 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $143,400 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Earthquake (Very Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 10 |
| Home insurance premium | $1,259 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)