Home Insurance in Fulton County, Indiana
Homes in Fulton County carry a median value of $156,500 - 28% lower than the Indiana median.
The typical home in Fulton County was built around 1966. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 45% of homes were built before 1960, about 13 points above Indiana's 31%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fulton County is 81% single-family homes, 3% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
55% of owner-occupied homes in Fulton County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 80% of occupied homes in Fulton County are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Fulton County - 54% - are primarily heated with natural gas. Homes heated with propane 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), hail (Relatively Low) and tornado (Relatively Low) as the leading hazards for Fulton County.
As of September 2026, Fulton County has 37 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Indiana carries a statewide average premium of $1,259 per year.
Key figures
| Median home value | $156,500 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Hail (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 37 |
| 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)