Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in Indiana
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Indiana ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | St. Joseph County | $563 | Relatively Moderate | $179,800 |
| 2 | Allen County | $631 | Relatively Moderate | $194,300 |
| 3 | Monroe County | $650 | Relatively Low | $261,700 |
| 4 | Madison County | $659 | Relatively Low | $147,700 |
| 5 | Tippecanoe County | $665 | Relatively Moderate | $217,600 |
| 6 | Howard County | $667 | Relatively Low | $151,500 |
| 7 | Elkhart County | $687 | Relatively Moderate | $194,400 |
| 8 | Whitley County | $691 | Very Low | $205,200 |
| 9 | Hancock County | $704 | Relatively Low | $258,100 |
| 10 | Marion County | $718 | Relatively High | $207,000 |
| 11 | Delaware County | $728 | Relatively Low | $127,600 |
| 12 | Steuben County | $729 | Very Low | $204,300 |
| 13 | Noble County | $731 | Relatively Low | $183,400 |
| 14 | Kosciusko County | $782 | Relatively Low | $200,300 |
| 15 | DeKalb County | $790 | Very Low | $177,900 |
| 16 | Henry County | $797 | Relatively Low | $140,200 |
| 17 | Blackford County | $820 | Very Low | $96,700 |
| 18 | Wells County | $847 | Very Low | $180,000 |
| 19 | Lawrence County | $850 | Relatively Low | $164,500 |
| 20 | Montgomery County | $853 | Very Low | $166,300 |
| 21 | Porter County | $855 | Relatively Moderate | $261,900 |
| 22 | Marshall County | $856 | Very Low | $184,500 |
| 23 | LaPorte County | $862 | Relatively Low | $180,700 |
| 24 | Grant County | $863 | Relatively Low | $116,000 |
| 25 | Johnson County | $870 | Relatively Low | $260,400 |
| 26 | Fulton County | $884 | Very Low | $144,700 |
| 27 | Clinton County | $891 | Very Low | $157,300 |
| 28 | Shelby County | $896 | Relatively Low | $188,300 |
| 29 | Randolph County | $900 | Very Low | $106,000 |
| 30 | Huntington County | $904 | Very Low | $146,400 |
| 31 | Jennings County | $907 | Very Low | $154,600 |
| 32 | Boone County | $912 | Relatively Low | $341,800 |
| 33 | Scott County | $915 | Very Low | $145,400 |
| 34 | Hendricks County | $917 | Relatively Low | $281,500 |
| 35 | Wayne County | $919 | Relatively Low | $126,100 |
| 36 | Dearborn County | $923 | Relatively Low | $227,100 |
| 37 | Starke County | $950 | Very Low | $148,400 |
| 38 | Morgan County | $957 | Relatively Low | $220,100 |
| 39 | Benton County | $957 | Very Low | $135,400 |
| 40 | Adams County | $960 | Relatively Low | $173,100 |
| 41 | Jay County | $961 | Very Low | $110,100 |
| 42 | Hamilton County | $969 | Relatively Moderate | $379,100 |
| 43 | Wabash County | $979 | Very Low | $143,600 |
| 44 | LaGrange County | $982 | Relatively Low | $249,500 |
| 45 | Lake County | $987 | Relatively High | $214,700 |
| 46 | Rush County | $1,000 | Very Low | $155,900 |
| 47 | Clay County | $1,004 | Very Low | $128,900 |
| 48 | Brown County | $1,013 | Very Low | $242,500 |
| 49 | Bartholomew County | $1,019 | Relatively Low | $221,100 |
| 50 | Jasper County | $1,019 | Very Low | $204,400 |
| 51 | Putnam County | $1,025 | Relatively Low | $205,800 |
| 52 | Sullivan County | $1,028 | Very Low | $122,200 |
| 53 | Fayette County | $1,034 | Very Low | $114,800 |
| 54 | Newton County | $1,036 | Very Low | $159,300 |
| 55 | Cass County | $1,041 | Relatively Low | $118,700 |
| 56 | Pulaski County | $1,052 | Very Low | $134,600 |
| 57 | Greene County | $1,061 | Very Low | $129,900 |
| 58 | Vigo County | $1,085 | Relatively Moderate | $140,400 |
| 59 | Tipton County | $1,105 | Very Low | $166,000 |
| 60 | Clark County | $1,106 | Relatively Moderate | $212,400 |
| 61 | Vermillion County | $1,151 | Very Low | $109,500 |
| 62 | Decatur County | $1,163 | Very Low | $189,900 |
| 63 | Washington County | $1,170 | Very Low | $162,400 |
| 64 | Miami County | $1,177 | Relatively Low | $118,000 |
| 65 | Ohio County | $1,180 | Very Low | $193,500 |
| 66 | Warrick County | $1,183 | Relatively Low | $228,900 |
| 67 | Harrison County | $1,185 | Relatively Low | $219,200 |
| 68 | Fountain County | $1,199 | Very Low | $133,200 |
| 69 | Floyd County | $1,201 | Relatively Low | $235,100 |
| 70 | Jackson County | $1,216 | Relatively Low | $174,500 |
| 71 | Warren County | $1,216 | Very Low | $160,000 |
| 72 | Owen County | $1,221 | Very Low | $162,400 |
| 73 | Pike County | $1,221 | Very Low | $128,400 |
| 74 | Ripley County | $1,238 | Relatively Low | $205,300 |
| 75 | Knox County | $1,247 | Relatively Low | $123,500 |
| 76 | Vanderburgh County | $1,249 | Relatively Moderate | $172,300 |
| 77 | White County | $1,271 | Very Low | $163,000 |
| 78 | Jefferson County | $1,271 | Relatively Low | $180,600 |
| 79 | Dubois County | $1,289 | Relatively Low | $212,500 |
| 80 | Crawford County | $1,292 | Very Low | $115,400 |
| 81 | Daviess County | $1,302 | Relatively Low | $187,500 |
| 82 | Parke County | $1,313 | Very Low | $139,300 |
| 83 | Martin County | $1,327 | Very Low | $150,400 |
| 84 | Gibson County | $1,351 | Relatively Low | $170,500 |
| 85 | Switzerland County | $1,358 | Very Low | $183,200 |
| 86 | Franklin County | $1,382 | Very Low | $236,700 |
| 87 | Orange County | $1,431 | Very Low | $143,900 |
| 88 | Perry County | $1,483 | Very Low | $146,000 |
| 89 | Union County | $1,494 | Very Low | $162,200 |
| 90 | Carroll County | $1,536 | Very Low | $167,700 |
| 91 | Spencer County | $1,584 | Very Low | $180,200 |
| 92 | Posey County | $1,594 | Relatively Low | $218,000 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Indiana