Home Insurance in LaGrange County, Indiana
Homes in LaGrange County carry a median value of $255,900 - 17% higher than the Indiana median.
The typical home in LaGrange County was built around 1982. About 29% of homes were built before 1960, about 3 points below Indiana's 31%. 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 LaGrange County is 85% single-family homes, 3% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
About 67% of owner-occupied homes in LaGrange County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
LaGrange County has an owner-occupancy rate of 83% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In LaGrange County, 53% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists strong wind (Relatively High), hail (Relatively Moderate) and tornado (Relatively Moderate) as the leading hazards for LaGrange County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, LaGrange County has 177 active NFIP flood policies on file.
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 | $255,900 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hail (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 177 |
| Home insurance premium | $1,259 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)