Home Insurance in West Baden Springs, Indiana
With a median home value of $163,800, West Baden Springs is close to the Orange 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 West Baden Springs was built around 1980. About 25% of homes were built before 1960, about 3 points below Orange County's 27%.
The housing stock in West Baden Springs is 62% single-family homes, 12% apartments in buildings with 5+ units and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
40% of owner-occupied homes in West Baden Springs carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in West Baden Springs are owner-occupied.
Most homes in West Baden Springs - 57% - 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.
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 | $163,800 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)