Home Insurance in White County, Indiana
Homes in White County carry a median value of $175,900 - 19% lower than the Indiana median.
The typical home in White County was built around 1969. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 41% of homes were built before 1960, about 10 points above 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 White County is 81% single-family homes, 5% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
About 62% of owner-occupied homes in White County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
White County has an owner-occupancy rate of 81% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Most homes in White County - 63% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hail (Relatively Low), earthquake (Relatively Low) and strong wind (Relatively Moderate) as the leading hazards for White County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, White County has 119 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $175,900 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Earthquake (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 119 |
| 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)