Home Insurance in Clermont, Indiana
The median home value in Clermont is $194,000, 13% lower than the Marion County median.
The typical home in Clermont was built around 1966. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 38% of homes were built before 1960, about 5 points above Marion County's 33%.
In Clermont, the housing stock is 100% single-family homes.
57% of owner-occupied homes in Clermont carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Clermont are owner-occupied.
Most homes in Clermont - 82% - are primarily heated with natural gas.
Marion County had 2,381 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). See the full Marion County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Indiana carries a statewide average premium of $1,259 per year.
Key figures
| Median home value | $194,000 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Marion County | 2,381 |
| 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)