Home Insurance in French Lick, Indiana
Homes in French Lick carry a median value of $85,100 - 46% lower than the Orange County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in French Lick was built around 1959. About 52% of homes were built before 1960, about 25 points above Orange County's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in French Lick is 67% single-family homes, 17% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
About 59% of owner-occupied homes in French Lick have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 66% of occupied homes in French Lick are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in French Lick - 53% - are primarily heated with natural gas.
Orange County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Orange County had 47 active NFIP flood policies as of September 2026. See the full Orange 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 | $85,100 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Orange County | 47 |
| 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)