Home Insurance in Brook, Indiana
Homes in Brook carry a median value of $116,200 - 32% lower than the Newton County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Brook was built around 1954. About 54% of homes were built before 1960, about 15 points above Newton County's 40%.
In Brook, the housing stock is 92% single-family homes and 7% apartments in buildings with 5+ units.
67% of owner-occupied homes in Brook carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Brook are owner-occupied.
83% of homes in Brook are primarily heated with natural gas.
FEMA rates Newton County's overall risk as Very Low, led by earthquake (Very Low). Newton County had 52 active NFIP flood policies as of September 2026. See the full Newton 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 | $116,200 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Newton County | 52 |
| 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)