Home Insurance in Town of Pines, Indiana
Homes in Town of Pines carry a median value of $159,000 - 44% lower than the Porter County median.
The typical home in Town of Pines was built around 1963. About 46% of homes were built before 1960, about 27 points above Porter County's 19%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Town of Pines is 89% single-family homes, 1% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
In Town of Pines, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Town of Pines are owner-occupied.
94% of homes in Town of Pines are primarily heated with natural gas.
What's the biggest home insurance risk near Town of Pines? FEMA's National Risk Index points to tornado (Relatively High) in Porter County and Porter County had 129 active NFIP flood policies as of September 2026. See the full Porter County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $159,000 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Porter County | 129 |
| 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)