Home Insurance in Lanesville, Indiana
With a median home value of $220,600, Lanesville is close to the Harrison County median.
The typical home in Lanesville was built around 1970. About 38% of homes were built before 1960, about 17 points above Harrison County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Lanesville is 78% single-family homes, 5% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 57% of owner-occupied homes in Lanesville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Lanesville are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Lanesville - 66% - are primarily heated with electricity.
FEMA rates Harrison County's overall risk as Relatively Low, led by tornado (Relatively Moderate). 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 | $220,600 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)