Home Insurance in Warren County, Indiana
Homes in Warren County carry a median value of $182,500 - 16% lower than the Indiana median.
The typical home in Warren County was built around 1973. About 34% of homes were built before 1960, about 3 points above Indiana's 31%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Warren County, the housing stock is 90% single-family homes, 1% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
58% of owner-occupied homes in Warren County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Warren County has an owner-occupancy rate of 82% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
51% of homes in Warren County are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Warren County's top hazards are earthquake (Very Low), winter weather (Relatively Low) and hail (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Warren County has 2 active NFIP flood policies on file.
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 | $182,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Earthquake (Very Low), Winter Weather (Relatively Low), Hail (Very Low) |
| Active NFIP flood policies (county) | 2 |
| 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)