Home Insurance in Starke County, Indiana
The median home value in Starke County is $157,700, 28% lower than the Indiana median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Starke County was built around 1974. About 35% of homes were built before 1960, about 3 points above Indiana's 31%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Starke County is 85% single-family homes, 3% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
About 60% of owner-occupied homes in Starke County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Starke County has an owner-occupancy rate of 83% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in Starke County - 67% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Starke County's top hazards are tornado (Relatively Low), strong wind (Relatively Moderate) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Starke County has 58 active NFIP flood policies on file.
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 | $157,700 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Low), Strong Wind (Relatively Moderate), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 58 |
| 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)