Home Insurance in Kendallville, Indiana
Homes in Kendallville carry a median value of $133,200 - 32% lower than the Noble County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kendallville was built around 1970. About 38% of homes were built before 1960, about 2 points above Noble County's 37%.
In Kendallville, the housing stock is 64% single-family homes, 21% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Kendallville, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kendallville has an owner-occupancy rate of 62% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
68% of homes in Kendallville are primarily heated with natural gas.
What's the biggest home insurance risk near Kendallville? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Noble County and Noble County had 195 active NFIP flood policies as of September 2026. See the full Noble 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 | $133,200 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Noble County | 195 |
| 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)