Home Insurance in Reynolds, Indiana
The median home value in Reynolds is $123,900, 30% lower than the White County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Reynolds was built around 1957. About 53% of homes were built before 1960, about 12 points above White County's 41%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Reynolds is 88% single-family homes and 7% mobile or manufactured homes.
In Reynolds, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Reynolds are owner-occupied.
In Reynolds, 78% of homes are primarily heated with natural gas.
FEMA rates White County's overall risk as Very Low, led by hail (Relatively Low). 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.
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 | $123,900 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)