Home Insurance in Medaryville, Indiana
The median home value in Medaryville is $78,500, 50% lower than the Pulaski County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Medaryville was built around 1943. About 62% of homes were built before 1960, about 20 points above Pulaski County's 41%.
In Medaryville, the housing stock is 79% single-family homes, 2% apartments in buildings with 5+ units and 15% 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 Medaryville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Medaryville are owner-occupied.
89% of homes in Medaryville are primarily heated with natural gas.
Pulaski County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Pulaski County had 60 active NFIP flood policies as of September 2026. See the full Pulaski 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 | $78,500 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Pulaski County | 60 |
| 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)