Home Insurance in Whiteland, Indiana
The median home value in Whiteland is $232,100, 18% lower than the Johnson County median.
The typical home in Whiteland was built around 1992. About 16% of homes were built before 1960, in line with Johnson County (15%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Whiteland is 100% single-family homes.
76% of owner-occupied homes in Whiteland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 94% of occupied homes in Whiteland are owner-occupied.
Most homes in Whiteland - 80% - 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.
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 | $232,100 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)