Home Insurance in Wilkinson, Indiana
Homes in Wilkinson carry a median value of $133,700 - 51% lower than the Hancock County median.
The typical home in Wilkinson was built around 1953. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 60% of homes were built before 1960, about 42 points above Hancock County's 18%.
In Wilkinson, the housing stock is 90% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Wilkinson, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wilkinson has an owner-occupancy rate of 89% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Wilkinson - 79% - are primarily heated with natural gas.
What's the biggest home insurance risk near Wilkinson? FEMA's National Risk Index points to tornado (Relatively Moderate) in Hancock County and 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 | $133,700 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)