Home Insurance in Carlisle, Indiana
With a median home value of $73,000, Carlisle is 44% lower than the Sullivan County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Carlisle was built around 1956. About 52% of homes were built before 1960, about 16 points above Sullivan County's 36%.
Housing in Carlisle breaks down to 90% single-family homes, 3% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
62% of owner-occupied homes in Carlisle carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Carlisle has an owner-occupancy rate of 82% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
In Carlisle, 62% of homes 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.
FEMA rates Sullivan County's overall risk as Very Low, led by earthquake (Relatively Low). Sullivan County had 5 active NFIP flood policies as of September 2026. See the full Sullivan County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $73,000 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Sullivan County | 5 |
| 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)