Home Insurance in Warren, Indiana
The median home value in Warren is $110,900, 31% lower than the Huntington County median.
The typical home in Warren was built around 1957. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 52% of homes were built before 1960, about 7 points above Huntington County's 45%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Warren is 87% single-family homes, 1% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
About 60% of owner-occupied homes in Warren have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Warren are owner-occupied.
In Warren, 85% of homes are primarily heated with natural gas.
FEMA rates Huntington County's overall risk as Very Low, led by strong wind (Relatively Moderate). 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 | $110,900 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)