Home Insurance in Rensselaer, Indiana
Homes in Rensselaer carry a median value of $153,800 - 31% lower than the Jasper County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Rensselaer was built around 1956. About 58% of homes were built before 1960, about 35 points above Jasper County's 23%.
Housing in Rensselaer breaks down to 80% single-family homes and 7% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 57% of owner-occupied homes in Rensselaer have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Rensselaer are owner-occupied.
Most homes in Rensselaer - 80% - are primarily heated with natural gas.
Jasper County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Jasper County had 116 active NFIP flood policies as of September 2026. See the full Jasper 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 | $153,800 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Jasper County | 116 |
| 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)