Indiana

Home insurance overview — 672 ZIP codes, 502 cities

Avg Premium (2025 Est.)

$1,659

+12.0% from 2022

Nonrenewal Rate

1.27%

5yr Storm Damage

$263.0M

Indiana Risk Map

Cities

City	ZIP Codes	Avg Premium	Stress Score	YoY	Risk
Switz City	1	$2,027	74	+19.7%	High
Cynthiana	1	$1,819	71	+15.0%	High
Carlisle	1	$1,962	70	+13.8%	High
North Salem	1	$2,340	70	+15.5%	High
Farmersburg	1	$1,888	70	+15.5%	High
Modoc	1	$1,816	70	+14.5%	High
Beverly Shores	1	$2,376	69	+11.0%	High
Lyons	1	$1,890	69	+15.4%	High
Losantville	1	$1,836	67	+14.1%	High
Patoka	1	$1,818	67	+17.1%	High
Francisco	1	$1,853	66	+14.3%	High
Shelburn	1	$1,718	66	+12.1%	High
Glenwood	1	$1,679	65	+11.3%	High
Marengo	1	$1,946	65	+14.6%	High
Sulphur Springs	1	$1,558	64	+13.7%	High
Monrovia	1	$1,959	64	+12.4%	High
Hillsboro	1	$1,896	63	+15.3%	High
Linden	1	$2,050	63	+21.0%	High
Gary	7	$1,744	63	+11.3%	High
Sullivan	1	$1,867	62	+14.5%	High
Bainbridge	1	$2,089	62	+13.4%	High
Kingman	1	$1,683	62	+13.6%	High
Kewanna	1	$1,798	62	+14.6%	High
Akron	1	$1,710	61	+11.8%	High
Fredericksburg	1	$1,839	61	+14.6%	High
Carthage	1	$1,865	61	+15.2%	High
Advance	1	$1,741	61	+14.6%	High
Lagro	2	$1,732	61	+14.2%	High
Freelandville	2	$1,755	61	+15.2%	High
Ridgeville	1	$1,658	61	+12.0%	High
Bourbon	2	$1,534	60	+11.7%	Elevated
Hymera	2	$1,755	60	+12.1%	Elevated
Waveland	1	$1,971	60	+15.8%	Elevated
Merom	2	$1,949	60	+18.5%	Elevated
Grandview	1	$1,703	60	+12.4%	Elevated
Milroy	1	$1,805	60	+12.4%	Elevated
Freetown	2	$2,118	59	+19.8%	Elevated
Otwell	2	$1,688	59	+12.6%	Elevated
Owensville	1	$1,856	59	+15.0%	Elevated
Earl Park	1	$1,922	59	+16.1%	Elevated
Williams	1	$1,759	59	+11.9%	Elevated
Stilesville	1	$1,997	59	+14.3%	Elevated
Williamsport	1	$1,885	59	+18.2%	Elevated
Dugger	1	$1,806	59	+16.6%	Elevated
Haubstadt	1	$2,096	59	+15.8%	Elevated
Chrisney	1	$1,582	59	+12.4%	Elevated
Hanna	1	$1,652	59	+11.5%	Elevated
Eaton	1	$1,654	59	+14.6%	Elevated
Economy	2	$1,578	58	+11.0%	Elevated
Ragsdale	1	$1,746	58	+16.4%	Elevated
Whiteland	2	$1,926	58	+13.7%	Elevated
Wanatah	1	$1,673	58	+12.1%	Elevated
Straughn	1	$1,798	58	+15.9%	Elevated
Worthington	2	$1,826	58	+13.6%	Elevated
Carmel	4	$2,568	58	+11.5%	Elevated
Star City	1	$1,586	57	+11.0%	Elevated
Dana	1	$1,845	57	+15.8%	Elevated
Wheeler	1	$1,687	57	+14.5%	Elevated
Merrillville	1	$1,702	57	+11.8%	Elevated
Gosport	1	$1,711	57	+11.5%	Elevated
Laconia	1	$1,673	57	+11.0%	Elevated
Sandborn	1	$1,775	57	+14.8%	Elevated
Elizabeth	1	$1,767	57	+9.6%	Elevated
Winamac	1	$1,670	56	+11.4%	Elevated
Culver	1	$2,489	56	+13.5%	Elevated
Rushville	1	$1,704	56	+13.5%	Elevated
Lynnville	1	$1,723	56	+13.2%	Elevated
Austin	1	$1,749	56	+14.2%	Elevated
Shelby	1	$1,676	56	+15.4%	Elevated
Lake Station	1	$1,516	56	+12.3%	Elevated
Farmland	1	$1,560	56	+12.1%	Elevated
Mauckport	1	$1,500	56	+8.3%	Elevated
Monroe City	1	$2,031	56	+14.4%	Elevated
Jasonville	1	$1,718	56	+11.5%	Elevated
Santa Claus	3	$1,907	56	+12.5%	Elevated
Staunton	2	$1,803	56	+12.9%	Elevated
Scottsburg	1	$1,673	56	+11.1%	Elevated
Pine Village	1	$1,852	56	+18.9%	Elevated
Orland	1	$1,227	56	+9.9%	Elevated
Hartsville	1	$1,874	56	+13.8%	Elevated
Kouts	1	$1,609	55	+10.9%	Elevated
Lizton	1	$1,921	55	+12.4%	Elevated
Kent	1	$1,710	55	+10.5%	Elevated
Shirley	1	$1,699	55	+11.1%	Elevated
Emison	2	$1,883	55	+16.2%	Elevated
New Harmony	1	$1,827	55	+13.5%	Elevated
Idaville	1	$1,640	55	+10.7%	Elevated
Remington	1	$1,674	55	+15.7%	Elevated
La Crosse	1	$1,840	55	+13.2%	Elevated
Lanesville	1	$1,826	55	+13.8%	Elevated
Oakland City	1	$1,727	55	+12.6%	Elevated
Sims	1	$1,793	55	+15.6%	Elevated
Brooklyn	1	$1,610	55	+10.7%	Elevated
Clay City	2	$1,783	55	+13.6%	Elevated
Paragon	2	$1,797	55	+9.9%	Elevated
Gentryville	1	$1,604	55	+8.2%	Elevated
Clarks Hill	1	$1,674	54	+14.1%	Elevated
Arcadia	1	$1,887	54	+11.5%	Elevated
Elberfeld	1	$2,055	54	+16.2%	Elevated
Borden	1	$1,786	54	+11.4%	Elevated
Dunkirk	1	$1,519	54	+13.3%	Elevated
Morgantown	1	$2,017	54	+13.4%	Elevated
Pennville	1	$1,619	54	+14.4%	Elevated
Rockport	1	$1,958	54	+16.0%	Elevated
East Chicago	1	$1,610	54	+10.7%	Elevated
Chesterton	1	$1,752	54	+10.5%	Elevated
Kennard	1	$1,503	54	+7.9%	Elevated
Argos	1	$1,595	54	+11.1%	Elevated
Union City	1	$1,529	54	+12.2%	Elevated
Smithville-Sanders	1	$1,957	54	+12.9%	Elevated
Bass Lake	2	$1,503	54	+9.7%	Elevated
Hardinsburg	1	$1,780	54	+14.6%	Elevated
Valparaiso	2	$1,746	54	+10.6%	Elevated
Atlanta	1	$1,837	54	+10.8%	Elevated
Bryant	1	$1,620	53	+8.9%	Elevated
Ladoga	1	$1,806	53	+12.0%	Elevated
Thorntown	1	$1,847	53	+13.0%	Elevated
Marshall	1	$1,616	53	+9.9%	Elevated
Indianapolis city (balance)	34	$1,821	53	+10.8%	Elevated
Hatfield	1	$1,725	53	+14.4%	Elevated
Veedersburg	1	$1,846	53	+15.3%	Elevated
Gaston	1	$1,554	53	+9.6%	Elevated
Henryville	3	$1,679	53	+11.8%	Elevated
Hammond	5	$1,517	53	+11.1%	Elevated
Newport	1	$1,705	53	+11.3%	Elevated
Terre Haute	4	$1,667	53	+13.7%	Elevated
Center Point	3	$1,641	53	+9.9%	Elevated
Wilkinson	2	$1,860	53	+12.5%	Elevated
Hebron	1	$1,682	53	+10.2%	Elevated
Ossian	2	$1,794	53	+16.4%	Elevated
Manilla	1	$1,618	53	+8.3%	Elevated
Hazleton	1	$1,697	53	+10.1%	Elevated
Crandall	1	$1,685	53	+11.9%	Elevated
Etna Green	1	$1,547	53	+12.8%	Elevated
Royal Center	1	$1,641	53	+13.4%	Elevated
Clayton	1	$1,903	53	+12.9%	Elevated
Oolitic	1	$1,558	53	+11.5%	Elevated
Fontanet	1	$1,725	52	+12.7%	Elevated
Mulberry	1	$1,609	52	+10.9%	Elevated
Holton	1	$1,779	52	+15.0%	Elevated
Rome City	2	$1,571	52	+14.3%	Elevated
Redkey	1	$1,504	52	+11.5%	Elevated
Hobart	1	$1,580	52	+11.5%	Elevated
Elnora	1	$1,779	52	+13.4%	Elevated
Chalmers	1	$1,586	52	+11.3%	Elevated
Roachdale	1	$1,946	52	+14.6%	Elevated
Elwood	1	$1,612	52	+13.7%	Elevated
New Ross	1	$1,939	52	+16.1%	Elevated
Oldenburg	1	$1,901	52	+10.8%	Elevated
Knightstown	1	$1,718	52	+10.5%	Elevated
Cromwell	1	$1,473	52	+10.3%	Elevated
Cloverdale	1	$1,744	52	+12.1%	Elevated
San Pierre	1	$1,739	52	+13.3%	Elevated
Poseyville	1	$1,945	52	+16.1%	Elevated
Mentone	1	$1,551	52	+12.0%	Elevated
St. Paul	1	$1,584	52	+13.6%	Elevated
Shoals	1	$1,441	51	+8.2%	Elevated
Owensburg	3	$1,614	51	+10.9%	Elevated
Mitchell	1	$1,656	51	+12.5%	Elevated
Vevay	2	$1,686	51	+12.6%	Elevated
West Lebanon	1	$1,782	51	+11.6%	Elevated
Lewisville	1	$1,712	51	+11.3%	Elevated
Fairland	3	$1,964	51	+13.9%	Elevated
New Pekin	1	$1,640	51	+9.9%	Elevated
Kingsford Heights	2	$1,520	51	+11.8%	Elevated
Petersburg	1	$1,722	51	+13.9%	Elevated
Montgomery	1	$1,854	51	+13.1%	Elevated
Westville	1	$1,676	51	+10.9%	Elevated
Cordry Sweetwater Lakes	1	$1,809	51	+14.2%	Elevated
Jamestown	1	$1,910	51	+12.7%	Elevated
Nashville	1	$1,983	51	+12.2%	Elevated
Westfield	1	$1,914	51	+12.1%	Elevated
Schneider	1	$1,371	51	+9.9%	Elevated
Macy	1	$1,602	51	+13.5%	Elevated
Zionsville	2	$2,230	51	+12.5%	Elevated
Medaryville	1	$1,594	51	+8.2%	Elevated
Palmyra	1	$1,726	51	+12.6%	Elevated
Burlington	1	$1,601	51	+10.1%	Elevated
New Washington	2	$1,694	51	+10.7%	Elevated
Princeton	1	$1,738	51	+14.2%	Elevated
Tecumseh	1	$1,736	51	+13.3%	Elevated
Patriot	1	$1,464	50	+8.6%	Elevated
Muncie	4	$1,476	50	+10.7%	Elevated
Selma	1	$1,721	50	+12.9%	Elevated
Portage	1	$1,599	50	+11.2%	Elevated
Connersville	1	$1,497	50	+12.0%	Elevated
Odon	1	$1,646	50	+12.4%	Elevated
Cedar Grove	1	$1,624	50	+12.1%	Elevated
Madison	1	$1,670	50	+11.6%	Elevated
Fishers	2	$1,965	50	+11.9%	Elevated
Plainville	1	$1,500	50	+11.4%	Elevated
Covington	1	$1,791	50	+15.0%	Elevated
North Judson	1	$1,688	50	+9.8%	Elevated
Bloomington	5	$1,665	50	+11.8%	Elevated
Russellville	1	$1,678	50	+12.6%	Elevated
Monon	1	$1,573	50	+14.1%	Elevated
Martinsville	1	$1,924	50	+12.1%	Elevated
Charlestown	2	$1,628	50	+9.2%	Elevated
New Paris	1	$1,396	50	+11.0%	Elevated
Memphis	1	$1,678	50	+12.8%	Elevated
Florence	1	$1,531	50	+10.5%	Elevated
Montezuma	1	$1,806	50	+15.4%	Elevated
Windfall City	1	$1,741	50	+15.1%	Elevated
Millersburg	1	$1,476	50	+14.1%	Elevated
Albany	1	$1,617	50	+12.5%	Elevated
Hoagland	1	$1,648	50	+13.4%	Elevated
South Whitley	1	$1,546	50	+12.5%	Elevated
Lowell	1	$1,591	50	+9.1%	Elevated
Dublin	1	$1,418	50	+11.4%	Elevated
Parkers Settlement	1	$1,904	49	+12.4%	Elevated
Flora	3	$1,739	49	+11.0%	Elevated
Vincennes	1	$1,767	49	+15.5%	Elevated
Fortville	1	$2,019	49	+10.2%	Elevated
Bargersville	1	$2,098	49	+12.4%	Elevated
Hamlet	1	$1,590	49	+12.0%	Elevated
Arlington	1	$1,631	49	+9.7%	Elevated
Springport	1	$1,828	49	+12.4%	Elevated
Loogootee	1	$1,641	49	+12.6%	Elevated
Lapel	1	$1,572	49	+11.8%	Elevated
Leavenworth	1	$1,962	49	+16.9%	Elevated
Colfax	1	$1,597	49	+13.7%	Elevated
Bedford	2	$1,613	49	+10.2%	Elevated
Koontz Lake	2	$1,580	49	+12.1%	Elevated
Roann	1	$1,546	49	+11.0%	Elevated
Avon	1	$1,797	49	+12.8%	Elevated
Monroeville	1	$1,482	49	+12.2%	Elevated
Lynn	1	$1,551	49	+11.8%	Elevated
Sellersburg	1	$1,638	49	+12.7%	Elevated
Salem	1	$1,613	49	+11.4%	Elevated
Winchester	1	$1,399	49	+10.3%	Elevated
Noblesville	2	$1,818	49	+12.2%	Elevated
Clinton	1	$1,676	49	+13.9%	Elevated
Ellettsville	1	$1,525	49	+12.0%	Elevated
Jonesboro	1	$1,537	49	+15.1%	Elevated
Wolcott	1	$1,554	49	+13.9%	Elevated
Crothersville	1	$1,545	49	+11.0%	Elevated
Cedar Lake	1	$1,451	48	+9.8%	Elevated
Evansville	7	$1,619	48	+12.9%	Elevated
Greentown	1	$1,662	48	+12.2%	Elevated
Rochester	1	$1,515	48	+9.6%	Elevated
Deputy	3	$1,540	48	+10.0%	Elevated
Taylorsville	1	$1,365	48	+11.7%	Elevated
Birdseye	4	$1,566	48	+12.5%	Elevated
Fort Branch	1	$1,847	48	+15.9%	Elevated
Francesville	1	$1,634	48	+9.1%	Elevated
Romney	1	$1,928	48	+14.8%	Elevated
Kempton	1	$1,879	48	+13.2%	Elevated
Lawrence	2	$1,791	48	+10.9%	Elevated
Trafalgar	1	$2,079	48	+11.7%	Elevated
Summitville	1	$1,483	48	+11.2%	Elevated
English	2	$1,575	48	+10.5%	Elevated
Morocco	1	$1,737	48	+11.7%	Elevated
Dubois	1	$1,696	48	+14.2%	Elevated
Crown Point	1	$1,633	48	+10.2%	Elevated
Jasper	1	$1,699	48	+14.6%	Elevated
Frankton	1	$1,623	48	+12.7%	Elevated
Galena	1	$2,043	48	+12.2%	Elevated
La Paz	1	$1,479	48	+9.9%	Elevated
Kimmell	1	$1,550	48	+11.2%	Elevated
West Point	1	$1,840	48	+16.4%	Elevated
Warren	1	$1,690	48	+14.1%	Elevated
Linton	1	$1,704	48	+12.3%	Elevated
Tennyson	2	$1,528	47	+8.2%	Elevated
Cannelton	1	$1,552	47	+10.6%	Elevated
Danville	1	$1,867	47	+12.0%	Elevated
Spencer	2	$1,619	47	+11.8%	Elevated
Franklin	1	$1,704	47	+12.5%	Elevated
Pendleton	1	$1,726	47	+11.6%	Elevated
Burnettsville	1	$1,605	47	+11.7%	Elevated
North Liberty	1	$1,522	47	+9.8%	Elevated
Greenwood	2	$1,773	47	+12.1%	Elevated
Elizabethtown	1	$1,633	47	+13.6%	Elevated
New Palestine	1	$2,047	47	+13.6%	Elevated
McCordsville	1	$2,120	47	+12.7%	Elevated
Bristol	1	$1,708	47	+11.0%	Elevated
Rockville	1	$1,703	47	+12.3%	Elevated
St. Leon	1	$1,707	47	+12.6%	Elevated
Tell City	2	$1,720	47	+15.7%	Elevated
Russiaville	2	$1,734	47	+13.1%	Elevated
Milltown	2	$1,743	47	+12.5%	Elevated
Paoli	1	$1,586	47	+8.5%	Elevated
Boswell	1	$1,633	47	+10.6%	Elevated
Greenville	1	$1,781	47	+11.6%	Elevated
Rensselaer	1	$1,603	47	+11.8%	Elevated
New Salisbury	2	$1,584	47	+10.5%	Elevated
Clarksville	1	$1,409	47	+13.3%	Elevated
Mooresville	1	$1,745	47	+11.5%	Elevated
Michigan City	1	$1,611	47	+10.1%	Elevated
Anderson	4	$1,491	47	+12.3%	Elevated
Brazil	2	$1,666	47	+10.8%	Elevated
Alexandria	1	$1,511	47	+12.7%	Elevated
Wakarusa	1	$1,650	47	+13.1%	Elevated
Amboy	1	$1,938	47	+14.3%	Elevated
Chesterfield	1	$1,465	46	+12.0%	Elevated
Milton	1	$1,583	46	+11.6%	Elevated
Centerville	2	$1,483	46	+11.4%	Elevated
Edinburgh	1	$1,607	46	+12.5%	Elevated
Syracuse	1	$1,778	46	+11.7%	Elevated
La Porte	1	$1,653	46	+11.2%	Elevated
New Albany	1	$1,567	46	+11.9%	Elevated
Reynolds	1	$1,456	46	+11.2%	Elevated
St. John	1	$1,732	46	+10.8%	Elevated
Cambridge City	1	$1,542	46	+13.9%	Elevated
Poneto	3	$1,515	46	+12.8%	Elevated
Munster	1	$1,803	46	+11.3%	Elevated
Holland	1	$1,672	46	+13.5%	Elevated
Logansport	2	$1,490	46	+12.0%	Elevated
Cicero	1	$1,923	46	+11.1%	Elevated
Dale	1	$1,545	46	+10.1%	Elevated
North Terre Haute	1	$1,711	46	+13.6%	Elevated
Monticello	1	$1,581	46	+12.8%	Elevated
South Bend	9	$1,445	46	+10.5%	Elevated
Parker City	1	$1,458	46	+9.4%	Elevated
Marion	2	$1,521	46	+11.8%	Elevated
Metamora	1	$1,617	46	+10.9%	Elevated
Schererville	1	$1,635	46	+9.8%	Elevated
Laurel	1	$1,564	46	+10.5%	Elevated
Mooreland	1	$1,694	46	+12.1%	Elevated
Versailles	1	$1,662	46	+13.7%	Elevated
Bremen	1	$1,450	45	+9.9%	Elevated
Greens Fork	1	$1,484	45	+11.0%	Elevated
Matthews	1	$1,465	45	+14.2%	Elevated
Medora	1	$1,541	45	+8.1%	Elevated
Andrews	1	$1,579	45	+12.3%	Elevated
Osgood	1	$1,611	45	+11.9%	Elevated
Berne	1	$1,413	45	+12.8%	Elevated
Rising Sun	1	$1,792	45	+12.5%	Elevated
Dillsboro	1	$1,722	45	+9.2%	Elevated
Beech Grove	1	$1,481	45	+11.5%	Elevated
Markleville	1	$1,649	45	+12.0%	Elevated
West College Corner	1	$1,556	45	+12.0%	Elevated
Heritage Lake	1	$1,822	45	+9.0%	Elevated
Scipio	1	$1,502	45	+11.7%	Elevated
Middletown	1	$1,730	45	+12.8%	Elevated
Griffith	1	$1,425	45	+10.0%	Elevated
Jeffersonville	1	$1,488	45	+12.2%	Elevated
Brownstown	1	$1,600	45	+10.1%	Elevated
Yorktown	2	$1,620	45	+10.7%	Elevated
Dyer	1	$1,587	45	+10.2%	Elevated
Hope	2	$1,532	45	+9.6%	Elevated
Uniondale	1	$1,639	45	+10.2%	Elevated
Wheatland	1	$1,804	45	+9.8%	Elevated
Plainfield	1	$1,630	44	+11.7%	Elevated
Grissom AFB	1	$1,544	44	+8.9%	Elevated
Boonville	1	$1,887	44	+14.3%	Elevated
Moores Hill	1	$1,788	44	+13.2%	Elevated
Greensburg	1	$1,629	44	+13.4%	Elevated
Fremont	1	$1,614	44	+10.3%	Elevated
Leo-Cedarville	2	$1,742	44	+12.7%	Elevated
Cayuga	1	$1,553	44	+12.0%	Elevated
Dupont	1	$1,497	44	+10.3%	Elevated
Brownsburg	1	$1,714	44	+11.6%	Elevated
Silver Lake	1	$1,443	44	+10.6%	Elevated
St. Meinrad	1	$1,885	44	+16.7%	Elevated
Saltillo	1	$1,466	44	+9.9%	Elevated
Rolling Prairie	2	$1,794	44	+11.6%	Elevated
Ferdinand	1	$1,607	44	+8.6%	Elevated
Morristown	1	$1,808	43	+10.5%	Elevated
Kirklin	1	$1,659	43	+11.1%	Elevated
Sunman	1	$1,808	43	+13.5%	Elevated
Spiceland	1	$1,633	43	+13.2%	Elevated
Mount Vernon	1	$1,763	43	+12.5%	Elevated
Middlebury	1	$1,592	43	+10.8%	Elevated
Attica	1	$1,575	43	+10.3%	Elevated
Howe	1	$1,455	43	+10.6%	Elevated
Newburgh	1	$1,963	43	+12.3%	Elevated
Fort Wayne	17	$1,395	43	+11.2%	Elevated
Ingalls	1	$1,439	43	+11.0%	Elevated
New Market	1	$1,716	43	+13.4%	Elevated
Waterloo	1	$1,527	43	+11.3%	Elevated
Michigantown	1	$1,637	43	+11.7%	Elevated
Highland	1	$1,409	43	+10.3%	Elevated
Larwill	1	$1,765	43	+16.7%	Elevated
Peru	1	$1,524	43	+11.8%	Elevated
Oxford	1	$1,500	42	+10.6%	Elevated
Shelbyville	1	$1,572	42	+12.4%	Elevated
Avilla	2	$1,557	42	+13.3%	Elevated
Roselawn	2	$1,639	42	+11.3%	Elevated
Hartford City	1	$1,431	42	+11.9%	Elevated
Butlerville	1	$1,508	42	+11.3%	Elevated
Vallonia	1	$1,590	42	+9.3%	Elevated
Kentland	1	$1,676	42	+9.5%	Elevated
Somerset	1	$1,618	42	+13.2%	Elevated
Elkhart	3	$1,367	42	+10.0%	Elevated
Aurora	1	$1,764	42	+12.4%	Elevated
Otterbein	1	$1,552	42	+12.7%	Elevated
Darmstadt	1	$1,812	42	+11.7%	Elevated
Corydon	1	$1,712	42	+10.2%	Elevated
New Castle	1	$1,493	42	+10.7%	Elevated
Walton	1	$1,497	42	+9.4%	Elevated
Batesville	1	$1,714	42	+12.3%	Elevated
North Webster	1	$1,300	42	+11.7%	Elevated
Richmond	1	$1,346	42	+12.1%	Elevated
Waldron	1	$1,840	42	+15.1%	Elevated
Greenfield	1	$1,735	41	+12.1%	Elevated
Waynetown	1	$1,619	41	+11.8%	Elevated
Brookston	1	$1,494	41	+12.1%	Elevated
Brook	1	$1,803	41	+14.2%	Elevated
Ashley	2	$1,506	41	+12.1%	Elevated
Washington	1	$1,527	41	+10.8%	Elevated
Milan	1	$1,767	41	+13.0%	Elevated
Columbus	2	$1,630	41	+12.2%	Elevated
Gas City	1	$1,468	41	+14.8%	Elevated
Granger	2	$1,508	41	+9.5%	Elevated
Harlan	2	$1,474	41	+12.1%	Elevated
North Vernon	1	$1,422	41	+10.0%	Elevated
Converse	1	$1,582	41	+11.6%	Elevated
Lakeville	1	$1,706	41	+11.8%	Elevated
Portland	1	$1,443	41	+10.2%	Elevated
Greencastle	1	$1,796	41	+13.3%	Elevated
Pittsboro	1	$1,778	41	+10.5%	Elevated
French Lick	1	$1,624	40	+11.6%	Moderate
Huntington	1	$1,417	40	+12.9%	Moderate
Fowler	1	$1,681	40	+12.4%	Moderate
Winslow	1	$1,652	40	+12.7%	Moderate
West Baden Springs	1	$1,657	40	+10.7%	Moderate
New Carlisle	1	$1,635	40	+11.4%	Moderate
Delphi	1	$1,489	40	+10.5%	Moderate
Darlington	1	$1,709	40	+11.1%	Moderate
Nappanee	1	$1,355	40	+10.3%	Moderate
Galveston	1	$1,549	40	+11.2%	Moderate
Tipton	1	$1,707	40	+13.9%	Moderate
Goodland	1	$1,506	40	+9.7%	Moderate
Claypool	1	$1,362	40	+9.6%	Moderate
Hudson	1	$1,453	40	+12.5%	Moderate
Whitestown	1	$1,444	40	+11.9%	Moderate
Milford	1	$1,435	40	+12.6%	Moderate
Zanesville	1	$1,415	40	+8.4%	Moderate
Orleans	1	$1,640	40	+8.0%	Moderate
New Richmond	1	$1,620	39	+10.6%	Moderate
Kendallville	1	$1,370	39	+11.5%	Moderate
Leesburg	1	$1,663	39	+10.3%	Moderate
Seymour	1	$1,518	39	+11.3%	Moderate
Sweetser	1	$1,519	39	+10.4%	Moderate
Mishawaka	2	$1,278	39	+9.9%	Moderate
Roanoke	1	$1,652	39	+8.9%	Moderate
Wheatfield	1	$1,643	39	+10.8%	Moderate
Kokomo	2	$1,479	39	+12.0%	Moderate
Lafayette	3	$1,515	39	+11.3%	Moderate
Stockwell	1	$1,341	39	+8.0%	Moderate
Plymouth	1	$1,520	39	+10.4%	Moderate
Goshen	2	$1,370	39	+10.3%	Moderate
Angola	1	$1,586	39	+12.1%	Moderate
Westport	1	$1,579	38	+12.8%	Moderate
Georgetown	1	$1,737	38	+12.4%	Moderate
Frankfort	1	$1,462	38	+11.2%	Moderate
St. Joe	1	$1,601	38	+13.8%	Moderate
Crawfordsville	1	$1,634	38	+12.6%	Moderate
Osceola	1	$1,408	38	+10.3%	Moderate
Hagerstown	1	$1,548	38	+10.6%	Moderate
Bright	3	$1,745	38	+11.2%	Moderate
West Lafayette	1	$1,577	38	+11.5%	Moderate
Wingate	1	$1,587	38	+11.7%	Moderate
Perrysville	1	$1,752	38	+15.4%	Moderate
Albion	1	$1,426	37	+11.9%	Moderate
Fillmore	1	$1,696	37	+8.4%	Moderate
Mexico	2	$1,411	37	+8.8%	Moderate
Denver	1	$1,497	37	+7.9%	Moderate
Hamilton	1	$1,440	37	+12.2%	Moderate
Huntingburg	1	$1,612	37	+11.0%	Moderate
Hanover	1	$1,511	37	+9.3%	Moderate
Camden	1	$1,572	37	+10.6%	Moderate
Winona Lake	1	$1,500	36	+9.4%	Moderate
Lake Village	1	$1,737	36	+10.4%	Moderate
Garrett	1	$1,306	36	+11.9%	Moderate
Rossville	1	$1,545	36	+10.3%	Moderate
Geneva	1	$1,444	36	+15.8%	Moderate
Markle	1	$1,664	36	+12.6%	Moderate
Battle Ground	1	$1,670	36	+13.3%	Moderate
Lagrange	1	$1,409	36	+11.1%	Moderate
Butler	1	$1,463	35	+11.1%	Moderate
Landess	1	$1,492	35	+10.0%	Moderate
Wolcottville	1	$1,418	35	+11.3%	Moderate
Montpelier	1	$1,533	35	+10.3%	Moderate
Warsaw	2	$1,375	35	+9.7%	Moderate
New Haven	1	$1,241	35	+11.6%	Moderate
Woodburn	1	$1,482	35	+11.1%	Moderate
Shadeland	1	$1,394	35	+12.4%	Moderate
Fountain City	1	$1,420	34	+11.3%	Moderate
Chandler	1	$1,578	34	+12.0%	Moderate
Wabash	1	$1,484	34	+12.5%	Moderate
Columbia City	1	$1,450	34	+12.6%	Moderate
Lebanon	1	$1,530	34	+10.9%	Moderate
Carbon	1	$1,545	34	+11.4%	Moderate
Sharpsville	1	$1,718	34	+14.2%	Moderate
Huntertown	1	$1,532	33	+11.2%	Moderate
Dayton	1	$1,357	33	+12.0%	Moderate
Churubusco	1	$1,457	33	+11.6%	Moderate
Auburn	1	$1,394	33	+12.0%	Moderate
Bloomingdale	1	$1,477	33	+8.0%	Moderate
Ligonier	1	$1,337	33	+9.2%	Moderate
Corunna	1	$1,592	33	+12.0%	Moderate
Topeka	1	$1,268	32	+8.0%	Moderate
Decatur	1	$1,301	31	+10.8%	Moderate
Bluffton	1	$1,340	31	+11.1%	Moderate
Liberty	1	$1,288	31	+8.0%	Moderate
Pierceton	1	$1,239	30	+8.2%	Moderate
Monroe	1	$1,368	29	+11.5%	Moderate
Upland	1	$1,510	28	+12.4%	Moderate
North Manchester	1	$1,348	28	+10.4%	Moderate
Shipshewana	1	$1,359	28	+10.6%	Moderate
Point Isabel	1	$1,468	28	+11.3%	Moderate

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Highest Risk ZIPs

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Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.