Home Insurance in Andrews, Indiana
Homes in Andrews carry a median value of $90,500 - 44% lower than the Huntington County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Andrews was built in 1939 or earlier. About 72% of homes were built before 1960, about 27 points above Huntington County's 45%.
The housing stock in Andrews is 84% single-family homes, 3% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Andrews, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Andrews has an owner-occupancy rate of 78% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
65% of homes in Andrews are primarily heated with natural gas.
Huntington County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Huntington County had 45 active NFIP flood policies as of September 2026. See the full Huntington County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Indiana is $1,259 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $90,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Huntington County | 45 |
| 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)