Home Insurance in Plainfield, Indiana
The median home value in Plainfield is $280,600, 9% lower than the Hendricks County median.
The typical home in Plainfield was built around 2000. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 13% of homes were built before 1960, in line with Hendricks County (12%).
Housing in Plainfield breaks down to 70% single-family homes, 21% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Plainfield, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Plainfield has an owner-occupancy rate of 62% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Plainfield - 53% - are primarily heated with natural gas.
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 | $280,600 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)