Home Insurance in Sullivan County, Indiana
With a median home value of $131,100, Sullivan County is 40% lower than the Indiana median.
The typical home in Sullivan County was built around 1973. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 36% of homes were built before 1960, about 5 points above Indiana's 31%.
In Sullivan County, the housing stock is 77% single-family homes, 5% 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.
56% of owner-occupied homes in Sullivan County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Sullivan County has an owner-occupancy rate of 76% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 41% of homes in Sullivan County are primarily heated with natural gas.
Per FEMA's National Risk Index, Sullivan County's top hazards are earthquake (Relatively Low), winter weather (Relatively Low) and strong wind (Relatively 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, Sullivan County has 5 active NFIP flood policies on file.
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 | $131,100 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Winter Weather (Relatively Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 5 |
| Home insurance premium | $1,259 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
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Farmersburg
- Median home value: $78,000
- Median year built: 1967
- Owner-occupied share: 72%
-
Sullivan
- Median home value: $128,100
- Median year built: 1959
- Owner-occupied share: 64%
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)