Electric companies in Howard County, Indiana
Howard County, IN ranks 16 of 92 Indiana counties for heat wave risk, FEMA score 69.1. Howard County in Indiana has 83,610 residents and 3 utilities listed by EIA, with home prices of 12.75 to 16.31 cents per kWh.
Howard County on the map
Howard County darker: more storm events
Electric utilities in Howard County
| Utility listed for Howard County, IN | Type | Home price ¢/kWh | Yearly bill at 901 kWh | Share of Howard County, IN median income of $62,496 |
|---|---|---|---|---|
| Duke Energy Indiana, LLC in Howard County, IN | Investor Owned | 12.75 | $1,378 | 2.21% |
| Carroll-White REMC in Howard County, IN | Cooperative | 14.93 | $1,615 | 2.58% |
| Indiana Michigan Power Co in Howard County, IN | Investor Owned | 16.31 | $1,763 | 2.82% |
Prices are statewide utility averages, not a county price.
Facts about Howard County
- Residents of Howard County, IN, ACS 2023
- 83,61018 of 92 Indiana counties
- Households in Howard County, IN
- 35,1292.38 people each
- Owner-occupied homes in Howard County, IN
- 71.9%25,247 owner and 9,882 renter households
- Median household income in Howard County, IN
- $62,49667 of 92 Indiana counties
- Housing units in Howard County, IN
- 39,7954,666 vacant or seasonal, 11.7% of the units
- Homes heated by electricity in Howard County, IN
- 24.8%8,695 homes, 68 of 92 Indiana counties
- Utilities listed for Howard County, IN
- 33 with a home price: Duke Energy Indiana, LLC, Carroll-White REMC, Indiana Michigan Power Co
- Lowest home price in Howard County, IN
- 12.75 ¢/kWhDuke Energy Indiana, LLC, 21.8% below the highest
- Highest home price in Howard County, IN
- 16.31 ¢/kWhIndiana Michigan Power Co
- Monthly bill gap in Howard County, IN
- $32between the two at 901 kWh, $385 a year, 0.62% of the Howard County, IN median income
- ZIP areas touching Howard County, IN
- 646901 to 46979
- Outage-linked storm events in Howard County, IN
- 81NWS storm events, 2015 to 2025
- Homes built before 1980 in Howard County, IN
- 66.5%median year built 1968
- Flood claims in Howard County, IN
- 19NFIP 2015 to 2025, $738K paid
- Home energy burden in Howard County, IN
- 3.0%$1,481 a year on electricity (DOE LEAD)
Outage risk in Howard County
Howard County, IN, NWS storm events 2015 to 2025: 81 in all, 96.9 per 100,000 residents of 83,610, rank 35 of 92 Indiana counties. Property damage in Howard County, IN: $11.8M, with 21 direct injuries or deaths.
Events by year in Howard County, IN
events a year, Howard County, IN
- 3'15
- 9'16
- 6'17
- 1'18
- 11'19
- 14'20
- 3'21
- 9'22
- 10'23
- 6'24
- 9'25
Events by type
| Howard County, IN | FEMA | Score | Rank | Events | Peak | Damage |
|---|---|---|---|---|---|---|
| Howard County, IN, thunderstorm and high wind | Relatively High | 85.2 | 21 of 92 | 59 | 2020 (14) | $427K |
| Howard County, IN, tornado | Relatively Moderate | 83.7 | 20 of 92 | 9 | 2016 (6) | $11.3M |
| Howard County, IN, hurricane and tropical storm | Very Low | 32.7 | 15 of 92 | 0 | none | $0 |
| Howard County, IN, ice storm | Relatively Low | 54.8 | 33 of 92 | 0 | none | $0 |
| Howard County, IN, winter storm and heavy snow | Relatively Moderate | 76.9 | 17 of 92 | 11 | 2015 (2) | $25K |
| Howard County, IN, heat wave | Relatively Low | 69.1 | 16 of 92 | 2 | 2022 (1) | $0 |
Cost of living with electricity in Howard County
Howard County, IN: electricity $1,481 a year per home (DOE LEAD), all home energy $2,165, 3.0% of $73,244 income. 34,957 households in Howard County, IN spend about $51.8 million a year on electricity and $75.7 million on all home energy. Lower-income homes in Howard County, IN ($20,605 a year) spend 8.5% of income, 2.9 times the all-home figure.
Energy burden in Howard County, IN
| Howard County, IN | Homes | Income | Power | Gas | Other | Burden |
|---|---|---|---|---|---|---|
| Howard County, IN, all households | 34,957 | $73,244 | $1,481 | $662 | $22 | 3.0% |
| Howard County, IN, lower income | 9,391 | $20,605 | $1,202 | $527 | $20 | 8.5% |
| Howard County, IN, owners | 25,052 | $87,346 | $1,690 | $794 | $30 | 2.9% |
| Howard County, IN, renters | 9,905 | $37,578 | $952 | $330 | $4 | 3.4% |
Housing and heating in Howard County
Howard County, IN: 26,478 of 39,795 homes were built before 1980 and 5,316 in 2000 or later. Howard County, IN has 30,205 detached houses, 4,596 homes in 5+ unit buildings, 1,280 mobile homes, and 9,882 of 35,129 households rent.
Age of homes in Howard County, IN
% of homes by decade built, Howard County, IN
- 18pre-40
- 740s
- 1350s
- 1660s
- 1370s
- 880s
- 1290s
- 800s
- 510s
- 120+
Heating fuel in Howard County, IN
| Howard County, IN | Value | State median | Gap | Rank |
|---|---|---|---|---|
| Howard County, IN, median year built | 1968 | 1973 | -5 years | 65 of 92 |
| Howard County, IN, built before 1980 | 66.5% | 59.3% | +7.2 points | 26 of 92 |
| Howard County, IN, built 2000 or later | 13.4% | 17.9% | -4.6 points | 69 of 92 |
| Howard County, IN, detached houses | 75.9% | 78.5% | -2.6 points | 64 of 92 |
| Howard County, IN, apartments in 5+ unit buildings | 11.5% | 6.2% | +5.4 points | 15 of 92 |
| Howard County, IN, mobile homes | 3.2% | 6.2% | -3.0 points | 75 of 92 |
| Howard County, IN, renter households | 28.1% | 23.6% | +4.5 points | 19 of 92 |
| Howard County, IN, median home value | $151,500 | $171,400 | -$19,900 | 61 of 92 |
| Howard County, IN, median gross rent a month | $915 | $850 | +$65 | 30 of 92 |
| Howard County, IN, people per household | 2.35 | 2.46 | -0.11 | 75 of 92 |
Flood claims and flood insurance in Howard County
Howard County, IN: 19 NFIP flood claims in 2015 to 2025, $738K paid, median paid claim $21,573.
142 of 34,693 residential structures in Howard County, IN carry an NFIP contract. 171 NFIP policies of any type were in force in Howard County, IN on 8 Sep 2026. Howard County, IN lists 74 repetitive-loss properties, 6 of them severe repetitive loss.
Howard County, IN: claims history, not an outage count.
Flood claims by year in Howard County, IN
flood claims a year, Howard County, IN
- 0'15
- 0'16
- 7'17
- <5'18
- 0'19
- 0'20
- 0'21
- 0'22
- 0'23
- 0'24
- 10'25
| Howard County, IN | Value | Median county | Rank |
|---|---|---|---|
| Howard County, IN, claims 2015-2025 | 19 | — | 31 of 67 |
| Howard County, IN, paid 2015-2025 | $738K | — | 20 of 67 |
| Howard County, IN, median paid claim | $21,573 | — | — |
| Howard County, IN, claims per 1,000 homes | 0.6 | 0.9 | 49 of 67 |
| Howard County, IN, homes with flood insurance | 0.4% | 0.4% | 42 of 91 |
| Howard County, IN, policies in force | 171 | — | — |
| Howard County, IN, repetitive-loss properties | 74 | — | — |
Howard County, IN: OpenFEMA NFIP, claims as of 8 Sep 2026, insured share as of 3 Aug 2026; counts under 5 are hidden.
Howard County: flood claims by state, flood hub.
Analyst note on Howard County
Howard County, IN counts 83,610 residents in 35,129 households. Household income in Howard County, IN is $62,496; 25,247 of its 35,129 households own. Howard County, IN touches 6 ZIP areas, 46901 to 46979, about 13,935 residents each.
8,695 of the 35,129 homes in Howard County, IN heat with electricity. Howard County, IN has 39,795 housing units, 4,666 (11.7%) vacant or seasonal, and 9,882 rented homes. Howard County, IN logged 81 storm events for its 83,610 residents.
The median home in Howard County, IN dates from 1968. Homes in Howard County, IN pay $1,481 a year for electricity. Howard County, IN home prices run Duke Energy Indiana, LLC to Indiana Michigan Power Co, $32 a month apart at 901 kWh.
Bill and heat pump calculator, Howard County
Compare Howard County with its neighbours
- Tipton County sits 12 miles southeast of Howard County, IN with 15,329 residents, 39 storm events, median home built 1963, energy burden 3.8%, income $78,309.
- Miami County sits 22 miles north of Howard County, IN with 35,772 residents, 54 storm events, median home built 1962, energy burden 3.5%, income $61,130.
- Clinton County sits 19 miles southwest of Howard County, IN with 32,967 residents, 54 storm events, median home built 1958, energy burden 3.4%, income $63,690.
- Cass County sits 22 miles northwest of Howard County, IN with 37,703 residents, 97 storm events, median home built 1955, energy burden 3.1%, income $56,525.
- Hamilton County sits 32 miles south of Howard County, IN with 357,176 residents, 94 storm events, median home built 2000, energy burden 1.7%, income $117,957.
Cities in Howard County
- Kokomo electricity rates59,375 residents
ZIP codes in Howard County
- 46901
- 46902
- 46936
- 46937
- 46965
- 46979
Indiana: home prices since 2001, planned plants.
Questions on Howard County
Howard County, IN: what do homes pay for electricity?
Howard County, IN homes paid 12.75 to 16.31 cents per kWh in 2024 across 3 listed utilities: $115 to $147 a month at 901 kWh, 2.21% to 2.82% of Howard County, IN income.
Howard County, IN: how many homes heat with electricity?
Howard County, IN: 8,695 of 35,129 occupied homes, 24.8%, rank 68 of 92.
Howard County, IN: median household income?
$62,496 in Howard County, IN, rank 67 of 92; 83,610 residents, 35,129 households.
Howard County, IN: outage-linked storms since 2015?
Howard County, IN: 81 NWS events, peak year 2020.
Howard County, IN: flood insurance claims since 2015?
Howard County, IN: 19 NFIP flood claims, $738K paid, 0.6 per 1,000 homes, 0.4% of homes insured.
How old are the homes in Howard County, IN?
Howard County, IN: median home built 1968; 66.5% predate 1980, 75.9% detached, 11.5% in 5+ unit buildings.
Howard County, IN: share of income for energy?
Howard County, IN homes spend $1,481 a year on electricity, $2,165 on all energy: 3.0% of $73,244; 8.5% for lower incomes.