Home Insurance in Patriot, Indiana
With a median home value of $95,000, Patriot is 46% lower than the Switzerland County median.
The typical home in Patriot was built around 1984. About 46% of homes were built before 1960, about 21 points above Switzerland County's 24%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Patriot, the housing stock is 49% single-family homes, 10% apartments in buildings with 5+ units and 41% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 33% of owner-occupied homes in Patriot have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Patriot has an owner-occupancy rate of 70% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Patriot - 76% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Patriot? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Switzerland County and Switzerland County had 59 active NFIP flood policies as of September 2026. See the full Switzerland County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $95,000 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Switzerland County | 59 |
| 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)