Home Insurance in Pine Village, Indiana
With a median home value of $112,500, Pine Village is 38% lower than the Warren County median.
The typical home in Pine Village was built around 1946. About 64% of homes were built before 1960, about 30 points above Warren County's 34%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pine Village is 74% single-family homes and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
66% of owner-occupied homes in Pine Village carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pine Village has an owner-occupancy rate of 59% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 79% of homes in Pine Village are primarily heated with natural gas.
Warren County's top FEMA-rated hazard is earthquake (Very Low), per FEMA's National Risk Index. Warren County had 2 active NFIP flood policies as of September 2026. See the full Warren 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 | $112,500 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Warren County | 2 |
| 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)