Home Insurance in Warsaw, Indiana
With a median home value of $181,200, Warsaw is 16% lower than the Kosciusko County median.
The typical home in Warsaw was built around 1979. About 31% of homes were built before 1960, about 1 point above Kosciusko County's 30%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Warsaw, the housing stock is 57% single-family homes, 28% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Warsaw, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Warsaw has an owner-occupancy rate of 49% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Warsaw - 68% - are primarily heated with natural gas.
What's the biggest home insurance risk near Warsaw? 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.
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 | $181,200 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)