Home Insurance in Hazleton, Indiana
Homes in Hazleton carry a median value of $69,000 - 62% lower than the Gibson County median.
The typical home in Hazleton was built around 1942. About 65% of homes were built before 1960, about 28 points above 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 Hazleton is 89% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 33% of owner-occupied homes in Hazleton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 96% of occupied homes in Hazleton are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Hazleton - 56% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $69,000 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)