Home Insurance in North Judson, Indiana
With a median home value of $134,500, North Judson is 15% lower than the Starke 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 North Judson was built around 1954. About 58% of homes were built before 1960, about 24 points above Starke County's 35%.
Housing in North Judson breaks down to 83% single-family homes and 7% apartments in buildings with 5+ units.
In North Judson, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in North Judson are owner-occupied.
In North Judson, 83% of homes are primarily heated with natural gas.
Starke County's top FEMA-rated hazard is tornado (Relatively Low), per FEMA's National Risk Index. Starke County had 58 active NFIP flood policies as of September 2026. See the full Starke County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Indiana is $1,259 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $134,500 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Starke County | 58 |
| 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)