Home Insurance in Rome City, Indiana
Homes in Rome City carry a median value of $265,900 - 35% higher than the Noble County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Rome City was built around 1964. About 48% of homes were built before 1960, about 11 points above Noble County's 37%.
In Rome City, the housing stock is 85% single-family homes, 4% 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 Rome City, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Rome City has an owner-occupancy rate of 82% and a vacancy rate of 33%; unoccupied homes typically need a different coverage form.
85% of homes in Rome City are primarily heated with natural gas.
Noble County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $265,900 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)