Home Insurance in Vigo County, Indiana
Homes in Vigo County carry a median value of $148,500 - 32% lower than the Indiana median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Vigo County was built around 1968. About 43% of homes were built before 1960, about 11 points above Indiana's 31%.
In Vigo County, the housing stock is 73% single-family homes, 14% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
61% of owner-occupied homes in Vigo County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Vigo County has an owner-occupancy rate of 62% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Vigo County, 48% of homes are primarily heated with electricity.
The top hazards for Vigo County, per FEMA's National Risk Index, are strong wind (Relatively High), winter weather (Relatively High) and earthquake (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Vigo County has 580 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Indiana is $1,259 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $148,500 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Winter Weather (Relatively High), Earthquake (Relatively Moderate) |
| Active NFIP flood policies (county) | 580 |
| 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)