Home Insurance in Miami County, Indiana
Homes in Miami County carry a median value of $126,200 - 42% lower than the Indiana median.
The typical home in Miami County was built around 1961. About 49% of homes were built before 1960, about 18 points above Indiana's 31%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Miami County is 80% single-family homes, 4% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
About 53% of owner-occupied homes in Miami County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Miami County has an owner-occupancy rate of 76% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Miami County, 61% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Miami County's top hazards are strong wind (Relatively Moderate), hail (Relatively Low) and inland flooding (Relatively Low).
Miami County had 63 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $126,200 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Hail (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 63 |
| Home insurance premium | $1,259 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)