Home Insurance in Plymouth, Indiana
The median home value in Plymouth is $131,800, 36% lower than the Marshall County median.
The typical home in Plymouth was built around 1969. About 42% of homes were built before 1960, about 6 points above Marshall County's 37%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Plymouth is 66% single-family homes, 13% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
In Plymouth, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 58% of occupied homes in Plymouth are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
81% of homes in Plymouth are primarily heated with natural gas.
Marshall County had 70 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Marshall 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 | $131,800 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)