Home Insurance in Sidney, Indiana
The median home value in Sidney is $118,800, 45% lower than the Kosciusko County median.
The median home in Sidney was built in 1939 or earlier. About 75% of homes were built before 1960, about 45 points above Kosciusko County's 30%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Sidney breaks down to 94% single-family homes and 1% mobile or manufactured homes.
In Sidney, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sidney has an owner-occupancy rate of 78% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Most homes in Sidney - 80% - are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $118,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)