Home Insurance in Jay County, Indiana
Homes in Jay County carry a median value of $117,500 - 46% lower than the Indiana median.
The typical home in Jay County was built around 1959. About 51% of homes were built before 1960, about 20 points above Indiana's 31%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Jay County is 86% single-family homes, 4% 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 Jay County, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Jay County are owner-occupied.
In Jay County, 43% of homes are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists tornado (Relatively Low), earthquake (Very Low) and strong wind (Relatively Moderate) as the leading hazards for Jay County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Jay County has 17 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $117,500 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Low), Earthquake (Very Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 17 |
| Home insurance premium | $1,259 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)