Home Insurance in Indiana, Pennsylvania
The median home value in Indiana is $135,600, 11% lower than the Indiana County median.
The typical home in Indiana was built around 1957. About 55% of homes were built before 1960, about 16 points above Indiana County's 39%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Indiana breaks down to 53% single-family homes and 29% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 58% of owner-occupied homes in Indiana have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 45% of occupied homes in Indiana are owner-occupied.
71% of homes in Indiana are primarily heated with natural gas.
What's the biggest home insurance risk near Indiana? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Indiana County and Indiana County had 200 active NFIP flood policies as of September 2026. See the full Indiana County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median home value | $135,600 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Indiana County | 200 |
| Home insurance premium | $1,217 - 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)