Home Insurance in Laconia, Indiana
Homes in Laconia carry a median value of $80,000 - 65% lower than the Harrison County median.
The typical home in Laconia was built around 1953. About 58% of homes were built before 1960, about 37 points above Harrison County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Laconia breaks down to 79% single-family homes. The rest are 2-4 unit or other housing types.
In Laconia, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Laconia are owner-occupied.
Most homes in Laconia - 81% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Harrison County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Harrison County had 75 active NFIP flood policies as of September 2026. See the full Harrison County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Indiana, the statewide average premium for a standard HO-3 homeowners policy is $1,259 per year (NAIC, 2023 data).
Key figures
| Median home value | $80,000 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Harrison County | 75 |
| 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)