Home Insurance in Fremont, Indiana
The median home value in Fremont is $151,500, 30% lower than the Steuben County median.
The typical home in Fremont was built around 1987. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, about 2 points below Steuben County's 28%.
In Fremont, the housing stock is 78% single-family homes, 4% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
57% of owner-occupied homes in Fremont carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Fremont are owner-occupied.
91% of homes in Fremont are primarily heated with natural gas.
Steuben County had 107 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Steuben County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $151,500 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Steuben County | 107 |
| 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)