Home Insurance in Windfall City, Indiana
Homes in Windfall City carry a median value of $88,700 - 49% lower than the Tipton County median.
The typical home in Windfall City was built around 1949. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 60% of homes were built before 1960, about 13 points above Tipton County's 46%.
The housing stock in Windfall City is 86% single-family homes and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
55% of owner-occupied homes in Windfall City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Windfall City are owner-occupied.
Most homes in Windfall City - 73% - are primarily heated with natural gas.
What's the biggest home insurance risk near Windfall City? FEMA's National Risk Index points to earthquake (Very Low) in Tipton County and 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 | $88,700 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)