Home Insurance in Poseyville, Indiana
Homes in Poseyville carry a median value of $144,400 - 35% lower than the Posey County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Poseyville was built around 1965. About 41% of homes were built before 1960, about 13 points above Posey County's 28%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Poseyville is 78% single-family homes, 2% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
70% of owner-occupied homes in Poseyville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 75% of occupied homes in Poseyville are owner-occupied.
In Poseyville, 59% of homes are primarily heated with natural gas.
Posey County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Posey County had 111 active NFIP flood policies as of September 2026. See the full Posey 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 | $144,400 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Posey County | 111 |
| 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)