Home Insurance in Tell City, Indiana
Homes in Tell City carry a median value of $139,000 - 15% lower than the Perry County median.
The typical home in Tell City was built around 1966. About 39% of homes were built before 1960, about 9 points above Perry County's 31%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Tell City, the housing stock is 73% single-family homes, 16% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 61% of owner-occupied homes in Tell City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Tell City are owner-occupied.
65% of homes in Tell City are primarily heated with natural gas.
FEMA rates Perry County's overall risk as Very Low, led by strong wind (Relatively Moderate). Perry County had 52 active NFIP flood policies as of September 2026. See the full Perry 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 | $139,000 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Perry County | 52 |
| 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)