Home Insurance in Kempton, Indiana
With a median home value of $118,800, Kempton is 32% lower than the Tipton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Kempton was built in 1939 or earlier. About 77% of homes were built before 1960, about 31 points above Tipton County's 46%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kempton is 93% single-family homes, 1% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
46% of owner-occupied homes in Kempton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kempton has an owner-occupancy rate of 84% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
In Kempton, 48% of homes are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Tipton County's top FEMA-rated hazard is earthquake (Very Low), per FEMA's National Risk Index. Tipton County had 142 active NFIP flood policies as of September 2026. See the full Tipton 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 | $118,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Tipton County | 142 |
| 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)