Home Insurance in Edgewood, Indiana
With a median home value of $200,100, Edgewood is 24% higher than the Madison County median.
The typical home in Edgewood was built around 1956. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 67% of homes were built before 1960, about 25 points above Madison County's 42%.
In Edgewood, the housing stock is 98% single-family homes.
62% of owner-occupied homes in Edgewood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Edgewood has an owner-occupancy rate of 93% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
83% of homes in Edgewood 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 | $200,100 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)