Home Insurance in Mecca, Indiana
With a median home value of $52,300, Mecca is 65% lower than the Parke County median.
The median home in Mecca was built in 1939 or earlier. About 68% of homes were built before 1960, about 31 points above Parke County's 37%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mecca is 75% single-family homes, 1% apartments in buildings with 5+ units and 20% mobile or manufactured homes.
41% of owner-occupied homes in Mecca carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mecca has an owner-occupancy rate of 54% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Mecca, 71% of homes are primarily heated with natural gas.
Parke County had 24 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Parke County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $52,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Parke County | 24 |
| 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)