Home Insurance in Loogootee, Indiana
With a median home value of $148,500, Loogootee is 7% lower than the Martin County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Loogootee was built around 1972. About 30% of homes were built before 1960, about 6 points above Martin County's 25%.
The housing stock in Loogootee is 66% single-family homes, 3% apartments in buildings with 5+ units and 16% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 57% of owner-occupied homes in Loogootee have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 69% of occupied homes in Loogootee are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
64% of homes in Loogootee are primarily heated with natural gas.
FEMA rates Martin County's overall risk as Very Low, led by earthquake (Very Low). Martin County had 13 active NFIP flood policies as of September 2026. See the full Martin County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $148,500 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Martin County | 13 |
| 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)