Home Insurance in Kennard, Indiana
The median home value in Kennard is $110,700, 28% lower than the Henry County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Kennard was built around 1955. About 55% of homes were built before 1960, about 6 points above Henry County's 49%.
In Kennard, the housing stock is 92% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
63% of owner-occupied homes in Kennard carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kennard has an owner-occupancy rate of 93% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Kennard, 67% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Kennard? FEMA's National Risk Index points to tornado (Relatively Moderate) in Henry County and Henry County had 60 active NFIP flood policies as of September 2026. See the full Henry 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 | $110,700 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Henry County | 60 |
| 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)