Home Insurance in Rushville, Indiana
The median home value in Rushville is $127,300, 24% lower than the Rush County median.
The typical home in Rushville was built around 1945. About 65% of homes were built before 1960, about 9 points above Rush County's 56%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Rushville is 76% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 61% of owner-occupied homes in Rushville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 61% of occupied homes in Rushville are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Rushville, 70% of homes are primarily heated with natural gas.
Rush County's top FEMA-rated hazard is tornado (Relatively Low), per FEMA's National Risk Index. Rush County had 37 active NFIP flood policies as of September 2026. See the full Rush 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 | $127,300 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Rush County | 37 |
| 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)