Home Insurance in Johnson County, Indiana
With a median home value of $284,600, Johnson County is 30% higher than the Indiana median.
The typical home in Johnson County was built around 1993. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 15% of homes were built before 1960, about 16 points below Indiana's 31%.
The housing stock in Johnson County is 82% single-family homes, 12% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
70% of owner-occupied homes in Johnson County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 73% of occupied homes in Johnson County are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Johnson County, 64% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists strong wind (Relatively High), tornado (Relatively Moderate) and winter weather (Relatively High) as the leading hazards for Johnson County.
Johnson County had 392 active National Flood Insurance Program policies as of September 2026. 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 | $284,600 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Tornado (Relatively Moderate), Winter Weather (Relatively High) |
| Active NFIP flood policies (county) | 392 |
| 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)