Home Insurance in Mackey, Indiana
With a median home value of $211,500, Mackey is 18% higher than the Gibson County median.
The typical home in Mackey was built around 1950. About 84% of homes were built before 1960, about 47 points above Gibson County's 37%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mackey is 92% single-family homes and 5% mobile or manufactured homes.
In Mackey, about 84% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 86% of occupied homes in Mackey are owner-occupied.
70% of homes in Mackey are primarily heated with natural gas.
Gibson County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. 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.
In Indiana, the statewide average premium for a standard HO-3 homeowners policy is $1,259 per year (NAIC, 2023 data).
Key figures
| Median home value | $211,500 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 84% |
| 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)