Home Insurance in Churubusco, Indiana
With a median home value of $152,300, Churubusco is 31% lower than the Whitley County median.
The typical home in Churubusco was built around 1978. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 35% of homes were built before 1960, about 2 points above Whitley County's 33%.
In Churubusco, the housing stock is 80% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 68% of owner-occupied homes in Churubusco have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 75% of occupied homes in Churubusco are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Churubusco, 76% of homes are primarily heated with natural gas.
Whitley County had 71 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Low). See the full Whitley 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 | $152,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Whitley County | 71 |
| 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)