Home Insurance in Haubstadt, Indiana
Homes in Haubstadt carry a median value of $228,100 - 27% higher than the Gibson County median.
The typical home in Haubstadt was built around 1983. About 29% of homes were built before 1960, about 7 points below Gibson County's 37%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Haubstadt is 79% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 61% of owner-occupied homes in Haubstadt have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Haubstadt has an owner-occupancy rate of 79% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
51% of homes in Haubstadt are primarily heated with natural gas.
FEMA rates Gibson County's overall risk as Relatively Low, led by earthquake (Relatively Low). Gibson County had 31 active NFIP flood policies as of September 2026. See the full Gibson County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $228,100 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Gibson County | 31 |
| 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)