Home Insurance in State Line City, Indiana
The median home value in State Line City is $86,400, 53% lower than the Warren County median.
The typical home in State Line City was built around 1969. About 26% of homes were built before 1960, about 8 points below Warren County's 34%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In State Line City, the housing stock is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 57% of owner-occupied homes in State Line City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 92% of occupied homes in State Line City are owner-occupied.
Most homes in State Line City - 63% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Warren County had 2 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Very Low). 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.
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 | $86,400 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)