Home Insurance in Brookville, Indiana
With a median home value of $180,700, Brookville is 28% lower than the Franklin County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Brookville was built around 1967. About 43% of homes were built before 1960, about 18 points above Franklin County's 25%.
The housing stock in Brookville is 56% single-family homes, 10% apartments in buildings with 5+ units and 12% 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 Brookville, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 50% of occupied homes in Brookville are owner-occupied.
Most homes in Brookville - 51% - are primarily heated with electricity.
What's the biggest home insurance risk near Brookville? FEMA's National Risk Index points to tornado (Relatively Low) in Franklin County and Franklin County had 33 active NFIP flood policies as of September 2026. See the full Franklin 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 | $180,700 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Franklin County | 33 |
| 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)