Home Insurance in Seymour, Indiana
Homes in Seymour carry a median value of $162,800 - 9% lower than the Jackson County median.
The typical home in Seymour was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 31% of homes were built before 1960, about 2 points above Jackson County's 29%.
The housing stock in Seymour is 63% single-family homes, 18% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Seymour, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Seymour has an owner-occupancy rate of 60% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Seymour - 60% - are primarily heated with electricity.
What's the biggest home insurance risk near Seymour? FEMA's National Risk Index points to strong wind (Relatively High) in Jackson County and Jackson County had 175 active NFIP flood policies as of September 2026. See the full Jackson 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 | $162,800 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Jackson County | 175 |
| 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)