Home Insurance in Randolph County, Indiana
With a median home value of $113,400, Randolph County is 48% lower than the Indiana median.
The typical home in Randolph County was built around 1958. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 52% of homes were built before 1960, about 21 points above Indiana's 31%.
The housing stock in Randolph County is 82% single-family homes, 4% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Randolph County, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 77% of occupied homes in Randolph County are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
43% of homes in Randolph County are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Randolph County, per FEMA's National Risk Index, are tornado (Relatively Moderate), earthquake (Relatively Low) and strong wind (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Randolph County had 67 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $113,400 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Earthquake (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 67 |
| 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)