Home Insurance in Scott County, Indiana
With a median home value of $158,400, Scott County is 27% lower than the Indiana median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Scott County was built around 1983. About 20% of homes were built before 1960, about 11 points below Indiana's 31%.
The housing stock in Scott County is 68% single-family homes, 10% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
56% of owner-occupied homes in Scott County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Scott County has an owner-occupancy rate of 71% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 63% of homes in Scott County are primarily heated with electricity.
The top hazards for Scott 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.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Scott County has 24 active NFIP flood policies on file.
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 | $158,400 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Earthquake (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 24 |
| 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)