Home Insurance in Winona Lake, Indiana
The median home value in Winona Lake is $274,500, 27% higher than the Kosciusko County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Winona Lake was built around 1979. About 19% of homes were built before 1960, about 10 points below Kosciusko County's 30%.
The housing stock in Winona Lake is 76% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Winona Lake, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Winona Lake are owner-occupied.
In Winona Lake, 71% of homes are primarily heated with natural gas.
Kosciusko County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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.
The statewide average premium for a standard HO-3 homeowners policy in Indiana is $1,259 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $274,500 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)