Home Insurance in St. John, Indiana
With a median home value of $406,300, St. John is 76% higher than the Lake 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 St. John was built around 2003. About 5% of homes were built before 1960, about 34 points below Lake County's 39%.
Housing in St. John breaks down to 97% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 71% of owner-occupied homes in St. John have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 97% of occupied homes in St. John are owner-occupied.
In St. John, 91% of homes are primarily heated with natural gas.
Lake County's top FEMA-rated hazard is tornado (Very High), per FEMA's National Risk Index. Lake County had 1,005 active NFIP flood policies as of September 2026. See the full Lake 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 | $406,300 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Lake County | 1,005 |
| 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)