Home Insurance in Terre Haute, Indiana
Homes in Terre Haute carry a median value of $115,700 - 22% lower than the Vigo County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Terre Haute was built around 1957. About 54% of homes were built before 1960, about 11 points above Vigo County's 43%.
Housing in Terre Haute breaks down to 69% single-family homes, 18% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 61% of owner-occupied homes in Terre Haute have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Terre Haute has an owner-occupancy rate of 52% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
54% of homes in Terre Haute are primarily heated with natural gas.
FEMA rates Vigo County's overall risk as Relatively Moderate, led by strong wind (Relatively High). Vigo County had 580 active NFIP flood policies as of September 2026. See the full Vigo 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 | $115,700 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Vigo County | 580 |
| 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)