Home Insurance in Williams Creek, Indiana
With a median home value of $1,201,400, Williams Creek is 436% higher than the Marion 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 Williams Creek was built around 1952. About 63% of homes were built before 1960, about 30 points above Marion County's 33%.
In Williams Creek, the housing stock is 100% single-family homes.
64% of owner-occupied homes in Williams Creek 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 91% of occupied homes in Williams Creek are owner-occupied.
77% of homes in Williams Creek are primarily heated with natural gas.
FEMA rates Marion County's overall risk as Relatively High, led by tornado (Very High). Marion County had 2,381 active NFIP flood policies as of September 2026. See the full Marion 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 | $1,201,400 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)