Home Insurance in Edwardsport, Indiana
The median home value in Edwardsport is $58,800, 57% lower than the Knox County median.
The median home in Edwardsport was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 85% of homes were built before 1960, about 37 points above Knox County's 48%.
In Edwardsport, the housing stock is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Edwardsport, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Edwardsport has an owner-occupancy rate of 83% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Edwardsport - 82% - are primarily heated with natural gas.
Knox County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $58,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)