Home Insurance in New Carlisle, Indiana
The median home value in New Carlisle is $186,700, close to the St. Joseph 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 New Carlisle was built around 1977. About 40% of homes were built before 1960, about 2 points below St. Joseph County's 42%.
The housing stock in New Carlisle is 75% single-family homes, 17% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
63% of owner-occupied homes in New Carlisle carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
New Carlisle has an owner-occupancy rate of 73% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in New Carlisle - 84% - are primarily heated with natural gas.
FEMA rates St. Joseph County's overall risk as Relatively Moderate, led by hail (Relatively High). St. Joseph County had 260 active NFIP flood policies as of September 2026. See the full St. Joseph County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $186,700 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in St. Joseph County | 260 |
| 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)