Home Insurance in Switz City, Indiana
The median home value in Switz City is $57,900, 62% lower than the Greene County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Switz City was built around 1972. About 43% of homes were built before 1960, about 12 points above Greene County's 31%.
In Switz City, the housing stock is 59% single-family homes, 9% apartments in buildings with 5+ units and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 51% of owner-occupied homes in Switz City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Switz City has an owner-occupancy rate of 68% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Switz City - 60% - are primarily heated with natural gas.
Greene County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. 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.
The statewide average premium for a standard HO-3 homeowners policy in Indiana is $1,259 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $57,900 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)