Home Insurance in Hymera, Indiana
The median home value in Hymera is $90,500, 31% 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 Hymera was built around 1955. About 55% of homes were built before 1960, about 19 points above Sullivan County's 36%.
In Hymera, the housing stock is 75% single-family homes, 3% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
59% of owner-occupied homes in Hymera carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 63% of occupied homes in Hymera are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Hymera, 57% of homes are primarily heated with natural gas.
Sullivan County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. 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 | $90,500 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)