Home Insurance in Little York, Indiana
Homes in Little York carry a median value of $159,400 - 7% lower than the Washington County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Little York was built around 1985. About 19% of homes were built before 1960, about 8 points below Washington County's 27%.
In Little York, the housing stock is 77% single-family homes and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 53% of owner-occupied homes in Little York have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 87% of occupied homes in Little York are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Little York, 50% of homes are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Washington County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Washington County had 15 active NFIP flood policies as of September 2026. See the full Washington County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $159,400 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Washington County | 15 |
| 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)