Home Insurance in Fortville, Indiana
Homes in Fortville carry a median value of $254,900 - 7% lower than the Hancock County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Fortville was built around 1982. About 30% of homes were built before 1960, about 12 points above Hancock County's 18%.
In Fortville, the housing stock is 87% single-family homes and 9% apartments in buildings with 5+ units.
In Fortville, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fortville has an owner-occupancy rate of 71% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Fortville, 50% of homes are primarily heated with electricity.
FEMA rates Hancock County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Hancock County had 194 active NFIP flood policies as of September 2026. See the full Hancock 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 | $254,900 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Hancock County | 194 |
| 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)