Home Insurance in Mentone, Indiana
Homes in Mentone carry a median value of $112,000 - 48% lower than the Kosciusko County median.
The typical home in Mentone was built around 1956. About 52% of homes were built before 1960, about 22 points above Kosciusko County's 30%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mentone is 76% single-family homes, 5% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
About 64% of owner-occupied homes in Mentone have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 72% of occupied homes in Mentone are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Mentone - 86% - are primarily heated with natural gas.
FEMA rates Kosciusko County's overall risk as Relatively Low, led by strong wind (Relatively High). 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.
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 | $112,000 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)