Home Insurance in Fishers, Indiana
With a median home value of $391,000, Fishers is close to the Hamilton County median.
The typical home in Fishers was built around 2002. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 2% of homes were built before 1960, about 5 points below Hamilton County's 7%.
The housing stock in Fishers is 83% single-family homes and 16% apartments in buildings with 5+ units.
About 78% of owner-occupied homes in Fishers have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 76% of occupied homes in Fishers are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Fishers - 62% - are primarily heated with natural gas.
What's the biggest home insurance risk near Fishers? 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 | $391,000 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)