Home Insurance in Noblesville, Indiana
The median home value in Noblesville is $349,700, 14% lower than the Hamilton County median.
The typical home in Noblesville was built around 2002. About 11% of homes were built before 1960, about 4 points above Hamilton County's 7%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Noblesville breaks down to 75% single-family homes, 17% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 77% of owner-occupied homes in Noblesville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Noblesville has an owner-occupancy rate of 71% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Noblesville, 61% of homes are primarily heated with natural gas.
Hamilton County had 569 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). 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 | $349,700 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)