Home Insurance in Brooksburg, Indiana
With a median home value of $179,200, Brooksburg is 8% lower than the Jefferson County median.
The median home in Brooksburg was built in 1939 or earlier. About 92% of homes were built before 1960, about 60 points above Jefferson County's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Brooksburg, the housing stock is 96% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Brooksburg, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Brooksburg has an owner-occupancy rate of 87% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
In Brooksburg, 52% of homes are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Jefferson County's overall risk as Relatively Low, led by strong wind (Relatively Moderate). Jefferson County had 92 active NFIP flood policies as of September 2026. See the full Jefferson 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 | $179,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Jefferson County | 92 |
| 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)