Home Insurance in Claypool, Indiana
With a median home value of $110,800, Claypool is 49% lower than the Kosciusko County median.
The median home in Claypool 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 65% of homes were built before 1960, about 35 points above Kosciusko County's 30%.
In Claypool, the housing stock is 86% single-family homes, 7% apartments in buildings with 5+ units 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 Claypool, about 81% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Claypool has an owner-occupancy rate of 83% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Claypool, 87% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Claypool? FEMA's National Risk Index points to strong wind (Relatively High) in Kosciusko County and Kosciusko County had 491 active NFIP flood policies as of September 2026. See the full Kosciusko 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 | $110,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 81% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Kosciusko County | 491 |
| 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)