Home Insurance in Westville, Indiana
With a median home value of $139,300, Westville is 29% lower than the LaPorte County median.
The typical home in Westville was built around 1999. About 14% of homes were built before 1960, about 26 points below LaPorte County's 39%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Westville is 59% single-family homes, 1% apartments in buildings with 5+ units and 39% mobile or manufactured homes.
In Westville, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Westville are owner-occupied.
85% of homes in Westville are primarily heated with natural gas.
LaPorte County had 152 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). 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 | $139,300 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)