Home Insurance in Arcadia, Indiana
The median home value in Arcadia is $182,900, 55% lower than the Hamilton County median.
The typical home in Arcadia was built around 1965. About 48% of homes were built before 1960, about 42 points above Hamilton County's 7%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Arcadia, the housing stock is 76% single-family homes, 9% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Arcadia, about 81% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Arcadia are owner-occupied.
59% of homes in Arcadia are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Arcadia? FEMA's National Risk Index points to tornado (Relatively High) in Hamilton County and Hamilton County had 569 active NFIP flood policies as of September 2026. See the full Hamilton 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 | $182,900 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 81% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Hamilton County | 569 |
| 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)