Home Insurance in Jonesboro, Indiana
Homes in Jonesboro carry a median value of $79,500 - 35% lower than the Grant County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Jonesboro was built around 1954. About 59% of homes were built before 1960, about 14 points above Grant County's 45%.
In Jonesboro, the housing stock is 91% single-family homes, 2% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
72% of owner-occupied homes in Jonesboro carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 79% of occupied homes in Jonesboro are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Jonesboro, 81% of homes are primarily heated with natural gas.
Grant County had 76 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Grant County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $79,500 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Grant County | 76 |
| 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)