Home Insurance in Clinton, Indiana
The median home value in Clinton is $101,600, 10% lower than the Vermillion County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Clinton was built around 1943. About 67% of homes were built before 1960, about 19 points above Vermillion County's 49%.
In Clinton, the housing stock is 78% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
51% of owner-occupied homes in Clinton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Clinton are owner-occupied.
In Clinton, 65% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Clinton? FEMA's National Risk Index points to earthquake (Relatively Low) in Vermillion County and Vermillion County had 50 active NFIP flood policies as of September 2026. See the full Vermillion 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 | $101,600 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Vermillion County | 50 |
| 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)