Home Insurance in Coatesville, Indiana
Homes in Coatesville carry a median value of $180,400 - 41% lower than the Hendricks County median.
The typical home in Coatesville was built around 1958. About 51% of homes were built before 1960, about 40 points above Hendricks County's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Coatesville is 95% 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.
In Coatesville, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Coatesville has an owner-occupancy rate of 88% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
46% of homes in Coatesville 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's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. 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 | $180,400 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)