Home Insurance in Vera Cruz, Indiana
Homes in Vera Cruz carry a median value of $68,900 - 65% 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 Vera Cruz was built around 1940. About 71% of homes were built before 1960, about 33 points above Wells County's 38%.
The housing stock in Vera Cruz is 86% single-family homes. The rest are 2-4 unit or other housing types.
89% of owner-occupied homes in Vera Cruz carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 64% of occupied homes in Vera Cruz are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 54% of homes in Vera Cruz are primarily heated with electricity.
What's the biggest home insurance risk near Vera Cruz? 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.
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 | $68,900 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 89% |
| 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)