Home Insurance in Kingsford Heights, Indiana
Homes in Kingsford Heights carry a median value of $120,500 - 38% lower than the LaPorte County median.
The typical home in Kingsford Heights was built around 1958. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 52% of homes were built before 1960, about 13 points above LaPorte County's 39%.
Housing in Kingsford Heights breaks down to 95% single-family homes and 2% mobile or manufactured homes.
74% of owner-occupied homes in Kingsford Heights carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Kingsford Heights are owner-occupied.
96% of homes in Kingsford Heights are primarily heated with natural gas.
LaPorte County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. LaPorte County had 152 active NFIP flood policies as of September 2026. See the full LaPorte 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 | $120,500 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in LaPorte County | 152 |
| 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)