Home Insurance in Trafalgar, Indiana
With a median home value of $233,600, Trafalgar is 18% lower than the Johnson County median.
The typical home in Trafalgar was built around 1999. About 21% of homes were built before 1960, about 5 points above Johnson County's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Trafalgar breaks down to 84% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
72% of owner-occupied homes in Trafalgar carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Trafalgar are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Trafalgar - 75% - 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Indiana carries a statewide average premium of $1,259 per year.
Key figures
| Median home value | $233,600 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)