Home Insurance in Edinburgh, Indiana
The median home value in Edinburgh is $154,500, 46% lower than the Johnson County median.
The typical home in Edinburgh was built around 1967. About 43% of homes were built before 1960, about 28 points above Johnson County's 15%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Edinburgh is 70% single-family homes, 12% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
About 64% of owner-occupied homes in Edinburgh have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 62% of occupied homes in Edinburgh are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Edinburgh - 69% - are primarily heated with natural gas.
FEMA rates Johnson County's overall risk as Relatively Low, led by strong wind (Relatively High). 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 | $154,500 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)