Home Insurance in Culver, Indiana
Homes in Culver carry a median value of $243,900 - 19% higher than the Marshall County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Culver was built around 1958. About 52% of homes were built before 1960, about 15 points above Marshall County's 37%.
The housing stock in Culver is 74% single-family homes, 18% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
60% of owner-occupied homes in Culver carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 40%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Culver are owner-occupied.
In Culver, 75% of homes are primarily heated with natural gas.
FEMA rates Marshall County's overall risk as Very Low, led by tornado (Relatively Moderate). 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 | $243,900 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)