Home Insurance in Upland, Indiana
With a median home value of $203,200, Upland is 66% higher 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 Upland was built around 1977. About 26% of homes were built before 1960, about 20 points below Grant County's 45%.
The housing stock in Upland is 84% single-family homes, 7% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
63% of owner-occupied homes in Upland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Upland has an owner-occupancy rate of 78% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
55% of homes in Upland are primarily heated with natural gas.
FEMA rates Grant County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Grant County had 76 active NFIP flood policies as of September 2026. 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 | $203,200 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)