Home Insurance in Crawfordsville, Indiana
With a median home value of $134,000, Crawfordsville is 22% lower than the Montgomery County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Crawfordsville was built around 1964. About 45% of homes were built before 1960, about 3 points above Montgomery County's 43%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Crawfordsville is 64% single-family homes, 17% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
64% of owner-occupied homes in Crawfordsville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Crawfordsville has an owner-occupancy rate of 69% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Crawfordsville, 73% of homes are primarily heated with natural gas.
Montgomery County had 38 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Montgomery County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Indiana carries a statewide average premium of $1,259 per year.
Key figures
| Median home value | $134,000 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Montgomery County | 38 |
| 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)