Home Insurance in Bargersville, Indiana
With a median home value of $438,900, Bargersville is 54% higher than the Johnson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bargersville was built around 2005. About 12% of homes were built before 1960, about 3 points below Johnson County's 15%.
The housing stock in Bargersville is 84% single-family homes and 7% apartments in buildings with 5+ units.
80% of owner-occupied homes in Bargersville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 73% of occupied homes in Bargersville are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
73% of homes in Bargersville are primarily heated with natural gas.
Johnson County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Johnson County had 392 active NFIP flood policies as of September 2026. See the full Johnson County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Indiana, the statewide average premium for a standard HO-3 homeowners policy is $1,259 per year (NAIC, 2023 data).
Key figures
| Median home value | $438,900 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 80% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Johnson County | 392 |
| 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)