Home Insurance in Lagrange, Indiana
Homes in Lagrange carry a median value of $150,100 - 41% lower than the LaGrange County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Lagrange was built around 1966. About 47% of homes were built before 1960, about 19 points above LaGrange County's 29%.
The housing stock in Lagrange is 59% single-family homes, 17% apartments in buildings with 5+ units and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
58% of owner-occupied homes in Lagrange carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lagrange has an owner-occupancy rate of 61% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Lagrange, 75% of homes are primarily heated with natural gas.
LaGrange County had 177 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full LaGrange 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 | $150,100 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in LaGrange County | 177 |
| 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)