Home Insurance in Rockville, Indiana
Homes in Rockville carry a median value of $99,600 - 34% lower than the Parke County median.
The typical home in Rockville was built around 1957. About 53% of homes were built before 1960, about 16 points above Parke County's 37%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Rockville is 73% single-family homes, 18% 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 Rockville, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Rockville has an owner-occupancy rate of 71% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
74% of homes in Rockville are primarily heated with natural gas.
FEMA rates Parke County's overall risk as Very Low, led by earthquake (Relatively Low). Parke County had 24 active NFIP flood policies as of September 2026. 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.
The statewide average premium for a standard HO-3 homeowners policy in Indiana is $1,259 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $99,600 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)