Home Insurance in Chalmers, Indiana
Homes in Chalmers carry a median value of $162,500 - 8% lower than the White County median.
The typical home in Chalmers was built around 1943. About 67% of homes were built before 1960, about 26 points above White County's 41%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Chalmers, the housing stock is 91% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
69% of owner-occupied homes in Chalmers carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 79% of occupied homes in Chalmers are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
91% of homes in Chalmers are primarily heated with natural gas.
White County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. White County had 119 active NFIP flood policies as of September 2026. See the full White 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 | $162,500 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in White County | 119 |
| 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)