Home Insurance in Holton, Indiana
The median home value in Holton is $98,600, 56% lower than the Ripley County median.
The typical home in Holton was built around 1968. About 41% of homes were built before 1960, about 6 points above Ripley County's 35%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Holton is 71% single-family homes and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 72% of owner-occupied homes in Holton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Holton has an owner-occupancy rate of 57% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Holton - 61% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Ripley County's overall risk as Relatively Low, led by strong wind (Relatively Moderate). 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 | $98,600 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)