Home Insurance in La Fontaine, Indiana
With a median home value of $96,300, La Fontaine is 39% lower than the Wabash County median.
The typical home in La Fontaine was built around 1945. About 72% of homes were built before 1960, about 21 points above Wabash County's 51%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In La Fontaine, the housing stock is 90% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 73% of owner-occupied homes in La Fontaine have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in La Fontaine are owner-occupied.
Most homes in La Fontaine - 73% - are primarily heated with natural gas.
Wabash County had 78 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Wabash County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Indiana, the statewide average premium for a standard HO-3 homeowners policy is $1,259 per year (NAIC, 2023 data).
Key figures
| Median home value | $96,300 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Wabash County | 78 |
| 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)