Home Insurance in Kingman, Indiana
The median home value in Kingman is $112,500, 22% lower than the Fountain County median.
The typical home in Kingman was built around 1978. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 38% of homes were built before 1960, about 7 points below Fountain County's 45%.
The housing stock in Kingman is 59% single-family homes, 2% apartments in buildings with 5+ units and 20% 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 Kingman, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kingman has an owner-occupancy rate of 45% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 61% of homes in Kingman are primarily heated with natural gas.
Fountain County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Fountain County had 10 active NFIP flood policies as of September 2026. See the full Fountain 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 | $112,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Fountain County | 10 |
| 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)