Home Insurance in Gentryville, Indiana
Homes in Gentryville carry a median value of $122,200 - 34% lower than the Spencer County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Gentryville was built around 1992. About 10% of homes were built before 1960, about 19 points below Spencer County's 28%.
The housing stock in Gentryville is 42% single-family homes and 58% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 53% of owner-occupied homes in Gentryville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Gentryville has an owner-occupancy rate of 46% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Gentryville, 80% of homes are primarily heated with natural gas.
Spencer County had 87 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Spencer County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $122,200 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Spencer County | 87 |
| 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)