Home Insurance in Straughn, Indiana
Homes in Straughn carry a median value of $112,000 - 27% lower than the Henry County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Straughn was built around 1984. About 44% of homes were built before 1960, about 5 points below Henry County's 49%.
Housing in Straughn breaks down to 97% single-family homes.
In Straughn, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Straughn has an owner-occupancy rate of 81% and a vacancy rate of 57%; unoccupied homes typically need a different coverage form.
89% of homes in Straughn are primarily heated with natural gas.
What's the biggest home insurance risk near Straughn? 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.
In Indiana, the statewide average premium for a standard HO-3 homeowners policy is $1,259 per year (NAIC, 2023 data).
Key figures
| Median home value | $112,000 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)