Home Insurance in Bicknell, Indiana
The median home value in Bicknell is $66,300, 52% lower than the Knox County median.
The median home in Bicknell was built in 1939 or earlier. About 66% of homes were built before 1960, about 19 points above Knox County's 48%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Bicknell breaks down to 78% single-family homes, 6% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Bicknell, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bicknell has an owner-occupancy rate of 61% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Bicknell, 77% of homes are primarily heated with natural gas.
FEMA rates Knox County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Knox County had 83 active NFIP flood policies as of September 2026. See the full Knox County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $66,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Knox County | 83 |
| 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)