Home Insurance in Brownsburg, Indiana
The median home value in Brownsburg is $309,400, close to the Hendricks County median.
The typical home in Brownsburg was built around 2002. About 9% of homes were built before 1960, about 3 points below Hendricks County's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Brownsburg, the housing stock is 83% single-family homes, 13% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
73% of owner-occupied homes in Brownsburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 75% of occupied homes in Brownsburg are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
68% of homes in Brownsburg are primarily heated with natural gas.
FEMA rates Hendricks County's overall risk as Relatively Low, led by winter weather (Relatively High). Hendricks County had 161 active NFIP flood policies as of September 2026. See the full Hendricks 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 | $309,400 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)