Home Insurance in Hendricks County, Indiana
The median home value in Hendricks County is $307,600, 41% higher than the Indiana median.
The typical home in Hendricks County was built around 1998. About 12% of homes were built before 1960, about 20 points below Indiana's 31%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Hendricks County is 85% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Hendricks County, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hendricks County has an owner-occupancy rate of 78% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Hendricks County, 55% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists winter weather (Relatively High), hail (Relatively Moderate) and tornado (Relatively Moderate) as the leading hazards for Hendricks County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Hendricks County has 161 active NFIP flood policies on file.
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 | $307,600 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Hail (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 161 |
| Home insurance premium | $1,259 - statewide average (NAIC, 2023 data) |
Towns and cities
- Amo
- Avon
- Brownsburg
- Clayton
- Coatesville
- Danville
- Lizton
- North Salem
- Pittsboro
- Plainfield
- Stilesville
Sources
- 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)