Home Insurance in Macy, Indiana
Homes in Macy carry a median value of $61,700 - 51% lower than the Miami County median.
The median home in Macy was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 91% of homes were built before 1960, about 42 points above Miami County's 49%.
The housing stock in Macy is 100% single-family homes.
About 23% of owner-occupied homes in Macy have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in Macy are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
89% of homes in Macy are primarily heated with natural gas.
Miami County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Miami County had 63 active NFIP flood policies as of September 2026. See the full Miami 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 | $61,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 23% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Miami County | 63 |
| 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)