Home Insurance in Argos, Indiana
Homes in Argos carry a median value of $129,300 - 37% lower than the Marshall County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Argos was built around 1958. About 52% of homes were built before 1960, about 16 points above Marshall County's 37%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Argos is 82% single-family homes, 4% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
About 70% of owner-occupied homes in Argos have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Argos has an owner-occupancy rate of 76% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Argos, 88% of homes are primarily heated with natural gas.
Marshall County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Marshall County had 70 active NFIP flood policies as of September 2026. See the full Marshall County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Indiana is $1,259 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $129,300 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Marshall County | 70 |
| 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)