Home Insurance in St. Joseph County, Indiana
With a median home value of $192,800, St. Joseph County is 12% lower than the Indiana median.
The typical home in St. Joseph County was built around 1968. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 42% of homes were built before 1960, about 11 points above Indiana's 31%.
Housing in St. Joseph County breaks down to 77% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In St. Joseph County, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 69% of occupied homes in St. Joseph County are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in St. Joseph County - 81% - are primarily heated with natural gas.
The top hazards for St. Joseph County, per FEMA's National Risk Index, are hail (Relatively High), strong wind (Relatively High) and tornado (Relatively High).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, St. Joseph County has 260 active NFIP flood policies on file.
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 | $192,800 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Strong Wind (Relatively High), Tornado (Relatively High) |
| Active NFIP flood policies (county) | 260 |
| 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)