Home Insurance in Mooresville, Indiana
With a median home value of $206,400, Mooresville is 13% lower than the Morgan County median.
The typical home in Mooresville was built around 1973. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 24% of homes were built before 1960, about 1 point below Morgan County's 25%.
Housing in Mooresville breaks down to 75% single-family homes and 14% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 70% of owner-occupied homes in Mooresville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Mooresville are owner-occupied.
Most homes in Mooresville - 63% - are primarily heated with natural gas.
Morgan County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Morgan County had 269 active NFIP flood policies as of September 2026. See the full Morgan 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 | $206,400 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Morgan County | 269 |
| 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)