Home Insurance in Rockport, Indiana
The median home value in Rockport is $132,700, 28% 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 Rockport was built around 1973. About 35% of homes were built before 1960, about 7 points above Spencer County's 28%.
The housing stock in Rockport is 66% single-family homes, 13% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
48% of owner-occupied homes in Rockport carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Rockport has an owner-occupancy rate of 53% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Rockport - 50% - are primarily heated with electricity.
Spencer County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Spencer County had 87 active NFIP flood policies as of September 2026. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Indiana carries a statewide average premium of $1,259 per year.
Key figures
| Median home value | $132,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)