Home Insurance in La Crosse, Indiana
The median home value in La Crosse is $140,700, 28% lower than the LaPorte County median.
The median home in La Crosse was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 80% of homes were built before 1960, about 41 points above LaPorte County's 39%.
In La Crosse, the housing stock is 98% single-family homes and 2% mobile or manufactured homes.
62% of owner-occupied homes in La Crosse carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
La Crosse has an owner-occupancy rate of 90% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In La Crosse, 95% of homes are primarily heated with natural gas.
FEMA rates LaPorte County's overall risk as Relatively Low, led by tornado (Relatively High). 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.
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 | $140,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)