Home Insurance in Huntington, Indiana
Homes in Huntington carry a median value of $119,500 - 26% lower than the Huntington County median.
The typical home in Huntington was built around 1954. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 56% of homes were built before 1960, about 10 points above Huntington County's 45%.
In Huntington, the housing stock is 78% single-family homes, 10% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
70% of owner-occupied homes in Huntington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Huntington are owner-occupied.
In Huntington, 66% of homes 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.
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 | $119,500 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)