Home Insurance in Delphos, Ohio
The median home value in Delphos is $129,600, 22% lower than the Allen County median.
The typical home in Delphos was built around 1958. About 54% of homes were built before 1960, about 11 points above Allen County's 43%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Delphos, the housing stock is 77% single-family homes, 8% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 60% of owner-occupied homes in Delphos have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Delphos are owner-occupied.
In Delphos, 71% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Delphos? FEMA's National Risk Index points to earthquake (Relatively Low) in Allen County and Allen County had 186 active NFIP flood policies as of September 2026. See the full Allen County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $129,600 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Allen County | 186 |
| Home insurance premium | $1,116 - 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)