Home Insurance in Bremen, Indiana
The median home value in Bremen is $211,700, close to the Marshall County median.
The typical home in Bremen was built around 1968. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 40% of homes were built before 1960, about 3 points above Marshall County's 37%.
The housing stock in Bremen is 82% single-family homes and 9% apartments in buildings with 5+ units.
61% of owner-occupied homes in Bremen carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Bremen are owner-occupied.
In Bremen, 81% 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 | $211,700 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)