Home Insurance in Long Beach, Indiana
With a median home value of $672,300, Long Beach is 244% higher than the LaPorte County median.
The typical home in Long Beach was built around 1954. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 63% of homes were built before 1960, about 24 points above LaPorte County's 39%.
In Long Beach, the housing stock is 100% single-family homes.
About 47% of owner-occupied homes in Long Beach have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Long Beach has an owner-occupancy rate of 97% and a vacancy rate of 45%; unoccupied homes typically need a different coverage form.
In Long Beach, 93% 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 | $672,300 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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
- Pottawattamie Park
- Michiana Shores
- Michigan City
- Trail Creek
- Town of Pines
- Beverly Shores
- La Porte
- Dune Acres
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)