Home Insurance in Greene County, Indiana
Homes in Greene County carry a median value of $153,200 - 30% lower than the Indiana median.
The typical home in Greene County was built around 1978. About 31% of homes were built before 1960, in line with Indiana (31%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Greene County, the housing stock is 76% single-family homes, 3% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Greene County, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Greene County has an owner-occupancy rate of 77% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
40% of homes in Greene County are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists strong wind (Relatively Moderate), earthquake (Relatively Low) and tornado (Relatively Low) as the leading hazards for Greene County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Greene County had 53 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $153,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Earthquake (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 53 |
| Home insurance premium | $1,259 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)