Home Insurance in Roanoke, Indiana
The median home value in Roanoke is $185,200, 15% higher than the Huntington County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Roanoke was built around 1991. About 24% of homes were built before 1960, about 21 points below Huntington County's 45%.
In Roanoke, the housing stock is 79% single-family homes, 11% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Roanoke, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 75% of occupied homes in Roanoke are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Roanoke, 72% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Roanoke? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Huntington County and 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 | $185,200 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)