Home Insurance in Batesville, Indiana
The median home value in Batesville is $225,400, close to the Ripley County median.
The typical home in Batesville was built around 1974. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 35% of homes were built before 1960, in line with Ripley County (35%).
Housing in Batesville breaks down to 74% single-family homes and 16% apartments in buildings with 5+ units.
68% of owner-occupied homes in Batesville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Batesville has an owner-occupancy rate of 67% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Batesville, 69% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Batesville? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Ripley County and Ripley County had 14 active NFIP flood policies as of September 2026. See the full Ripley County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $225,400 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Ripley County | 14 |
| 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)