Home Insurance in Warrick County, Indiana
With a median home value of $242,500, Warrick County is 11% higher than the Indiana median.
The typical home in Warrick County was built around 1986. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 19% of homes were built before 1960, about 12 points below Indiana's 31%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Warrick County is 85% single-family homes, 9% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
62% of owner-occupied homes in Warrick County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 82% of occupied homes in Warrick County are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Warrick County - 58% - are primarily heated with natural gas.
The top hazards for Warrick County, per FEMA's National Risk Index, are earthquake (Relatively Low), strong wind (Relatively Moderate) and winter weather (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Warrick County has 144 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $242,500 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Strong Wind (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 144 |
| 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)