Home Insurance in Scottsburg, Indiana
The median home value in Scottsburg is $146,200, 8% lower than the Scott County median.
The typical home in Scottsburg was built around 1983. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 23% of homes were built before 1960, about 3 points above Scott County's 20%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Scottsburg is 56% single-family homes, 23% apartments in buildings with 5+ units and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 58% of owner-occupied homes in Scottsburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 50% of occupied homes in Scottsburg are owner-occupied.
62% of homes in Scottsburg are primarily heated with electricity.
Scott County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Scott County had 24 active NFIP flood policies as of September 2026. See the full Scott 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 | $146,200 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Scott County | 24 |
| 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)