Home Insurance in Kentland, Indiana
The median home value in Kentland is $114,000, 34% lower than the Newton 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 Kentland was built around 1947. About 67% of homes were built before 1960, about 27 points above Newton County's 40%.
Housing in Kentland breaks down to 83% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 74% of owner-occupied homes in Kentland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kentland has an owner-occupancy rate of 79% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Kentland - 87% - 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.
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 | $114,000 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)