Home Insurance in Perry County, Indiana
Homes in Perry County carry a median value of $163,400 - 25% lower than the Indiana median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Perry County was built around 1976. About 31% of homes were built before 1960, in line with Indiana (31%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Perry County is 75% single-family homes, 8% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
About 59% of owner-occupied homes in Perry County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 75% of occupied homes in Perry County are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
42% of homes in Perry County are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists strong wind (Relatively Moderate), earthquake (Relatively Low) and tornado (Relatively Low) as the leading hazards for Perry County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Perry County has 52 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $163,400 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Earthquake (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 52 |
| Home insurance premium | $1,259 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)