Home Insurance in Harrod, Ohio
Homes in Harrod carry a median value of $103,400 - 37% lower than the Allen County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Harrod was built around 1951. About 57% of homes were built before 1960, about 14 points above Allen County's 43%.
Housing in Harrod breaks down to 88% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
66% of owner-occupied homes in Harrod carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Harrod are owner-occupied.
76% of homes in Harrod are primarily heated with natural gas.
What's the biggest home insurance risk near Harrod? 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.
In Ohio, the statewide average premium for a standard HO-3 homeowners policy is $1,116 per year (NAIC, 2023 data).
Key figures
| Median home value | $103,400 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)