Home Insurance in Henry County, Indiana
With a median home value of $154,400, Henry County is 29% lower than the Indiana median.
The typical home in Henry County was built around 1961. About 49% of homes were built before 1960, about 18 points above Indiana's 31%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Henry County, the housing stock is 84% single-family homes, 6% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 59% of owner-occupied homes in Henry County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Henry County has an owner-occupancy rate of 76% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
52% of homes in Henry County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Henry County, per FEMA's National Risk Index, are tornado (Relatively Moderate), earthquake (Relatively Low) and hail (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Henry County had 60 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $154,400 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Earthquake (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 60 |
| Home insurance premium | $1,259 - statewide average (NAIC, 2023 data) |
Towns and cities
- Blountsville
- Cadiz
- Dunreith
- Greensboro
- Kennard
- Knightstown
- Lewisville
- Middletown
- Mooreland
- Mount Summit
- New Castle
- Spiceland
- Springport
- Straughn
- Sulphur Springs
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)