Home Insurance in Amo, Indiana
Homes in Amo carry a median value of $168,100 - 45% lower than the Hendricks County median.
The typical home in Amo was built around 1956. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 57% of homes were built before 1960, about 45 points above Hendricks County's 12%.
Housing in Amo breaks down to 99% single-family homes and 1% mobile or manufactured homes.
In Amo, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Amo has an owner-occupancy rate of 91% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
Most homes in Amo - 52% - are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Hendricks County had 161 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Hendricks 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 | $168,100 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Hendricks County | 161 |
| 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)