Home Insurance in Switzerland County, Indiana
With a median home value of $175,800, Switzerland County is 19% lower than the Indiana median.
The typical home in Switzerland County was built around 1990. About 24% of homes were built before 1960, about 7 points below Indiana's 31%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Switzerland County is 74% single-family homes, 5% apartments in buildings with 5+ units and 18% mobile or manufactured homes.
In Switzerland County, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Switzerland County are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Switzerland County, 52% of homes are primarily heated with electricity.
FEMA's National Risk Index lists strong wind (Relatively Moderate), tornado (Relatively Low) and earthquake (Very Low) as the leading hazards for Switzerland County. 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, Switzerland County has 59 active NFIP flood policies on file.
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 | $175,800 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Tornado (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 59 |
| Home insurance premium | $1,259 - statewide average (NAIC, 2023 data) |
Towns and cities
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)