Home Insurance in New Amsterdam, Indiana
With a median home value of $95,200, New Amsterdam is 59% lower than the Harrison County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in New Amsterdam was built in 1939 or earlier. About 96% of homes were built before 1960, about 75 points above Harrison County's 21%.
The housing stock in New Amsterdam is 96% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 88% of owner-occupied homes in New Amsterdam have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
All occupied homes in New Amsterdam are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 92% of homes in New Amsterdam are primarily heated with propane.
What's the biggest home insurance risk near New Amsterdam? FEMA's National Risk Index points to tornado (Relatively Moderate) in Harrison County and 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.
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 | $95,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 88% |
| 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)