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Claim or joinLegal name: UNITED COTTAGE OWNERS ASSOCIATION INC
HOA · Warsaw, IN
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See also the Indiana Homeowners Association Act (IC 32-25.5).
A starting point for diligence, not a safety or compliance rating. Full flood, structural, and hazard detail is below.
Public record · Federal hazard-risk index, federal flood-hazard maps
Public record · Federal flood-hazard maps
Very Low composite risk for this neighborhood area · 7th percentile of IN neighborhood areas
18 federal disaster declarations for this county, including 1 hurricane, most recent Aug 2026.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · WARSAW, CITY OF
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Public record · Federal flood program records
Annual change in ZIP 46582
2020 +4.2% · 2021 +11.7% · 2022 +11.7% · 2023 +8.4% · 2024 +2.4% · 2025 +9.8%
Area price appreciation for context, not an appraisal of this association or any unit. Its publisher labels the index developmental: it is built from conforming-mortgage data, and small housing markets are suppressed.
Public record · Federal house-price index · as of Mar 2026
Monthly HOA and condo fees reported by owners in this part of the state, from federal household survey estimates.
Peer context, not financial advice: area-level survey medians describe the market, not what any specific community should charge.
0% of nearby housing sits in 5+ unit buildings, most of it built in the 1950s.
Neighborhood-area figures, not the association itself. Useful as neighborhood context.
Public record · Federal community survey estimates
Common Elements directory
Most recent significant event in Kosciusko County: Tornado, Apr 2, 2025.
County-level weather records from the federal storm-event database, for context. Each event is logged for a whole county or forecast zone, not for individual properties, so counts and damage estimates describe Kosciusko County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 46582-6626 · 2022
Average premium changed -0.4% across the filed window (2018 to 2022).
ZIP-area averages from federal filings, not a quote for this building. Your rate depends on the building's construction, claims history, and coverage.
Public record · Federal homeowners-insurance filings · as of 2018 to 2022
Aim Alliance Group, LLC
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Alleato LLC
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American Construction & Excavating, LLC
Greencastle, IN
Andrew Churchill Architect, P.C.
Indianapolis, IN
Aquatic Renovation Systems INC
Indianapolis, IN
Architectural Glass and Metal Co., INC.
Indianapolis, IN
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Federal exempt-organization listing
On file as UNITED COTTAGE OWNERS ASSOCIATION INC
Principal address · Legal name · 1 linked public record
Filed as shown; displayed as United Cottage Owners Association INC
Source not recorded
Type
Geocoded from the address on file
Map location
Geocoded 2026-05-20
Names are shown in title case for readability. The string above is the name on file, unchanged.