Home Insurance in Bloomfield, Indiana
The median home value in Bloomfield is $109,800, 28% lower than the Greene County median.
The typical home in Bloomfield was built around 1958. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 54% of homes were built before 1960, about 23 points above Greene County's 31%.
The housing stock in Bloomfield is 68% single-family homes, 10% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
58% of owner-occupied homes in Bloomfield carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bloomfield has an owner-occupancy rate of 59% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Bloomfield, 67% of homes are primarily heated with natural gas.
FEMA rates Greene County's overall risk as Very Low, led by strong wind (Relatively Moderate). Greene County had 53 active NFIP flood policies as of September 2026. See the full Greene County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $109,800 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Greene County | 53 |
| 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)