Home Insurance in Bluffton, Indiana
Homes in Bluffton carry a median value of $149,600 - 24% lower than the Wells County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bluffton was built around 1972. About 40% of homes were built before 1960, about 2 points above Wells County's 38%.
The housing stock in Bluffton is 69% single-family homes, 11% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
60% of owner-occupied homes in Bluffton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bluffton has an owner-occupancy rate of 62% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Bluffton, 71% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Bluffton? FEMA's National Risk Index points to tornado (Relatively Low) in Wells County and Wells County had 40 active NFIP flood policies as of September 2026. See the full Wells County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Indiana is $1,259 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $149,600 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Wells County | 40 |
| 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)