Home Insurance in Washington County, Indiana
With a median home value of $172,200, Washington County is 21% lower than the Indiana median.
The typical home in Washington County was built around 1982. About 27% of homes were built before 1960, about 4 points below Indiana's 31%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Washington County is 76% single-family homes, 2% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
61% of owner-occupied homes in Washington County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Washington County has an owner-occupancy rate of 82% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Washington County - 52% - are primarily heated with electricity. 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, Washington County's top hazards are tornado (Relatively Moderate), strong wind (Relatively Moderate) and earthquake (Relatively 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, Washington County has 15 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 | $172,200 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Strong Wind (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 15 |
| 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)