Home Insurance in Posey County, Indiana
Homes in Posey County carry a median value of $222,900 - close to the Indiana median.
The typical home in Posey County was built around 1976. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 28% of homes were built before 1960, about 3 points below Indiana's 31%.
In Posey County, the housing stock is 84% single-family homes, 5% 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.
About 63% of owner-occupied homes in Posey County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 82% of occupied homes in Posey County are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
47% of homes in Posey County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Posey County's top hazards are earthquake (Relatively Low), winter weather (Relatively Moderate) and strong wind (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Posey County has 111 active NFIP flood policies on file.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Indiana carries a statewide average premium of $1,259 per year.
Key figures
| Median home value | $222,900 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Winter Weather (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 111 |
| 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)