Home Insurance in Country Club Heights, Indiana
The median home value in Country Club Heights is $246,900, 53% higher than the Madison 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 Country Club Heights was built around 1952. About 71% of homes were built before 1960, about 29 points above Madison County's 42%.
In Country Club Heights, the housing stock is 100% single-family homes.
74% of owner-occupied homes in Country Club Heights carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Country Club Heights are owner-occupied.
In Country Club Heights, 77% of homes are primarily heated with natural gas.
Madison County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Madison County had 219 active NFIP flood policies as of September 2026. See the full Madison 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 | $246,900 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Madison County | 219 |
| 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)