Home Insurance in Cridersville, Ohio
The median home value in Cridersville is $144,300, 24% lower than the Auglaize County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Cridersville was built around 1968. About 38% of homes were built before 1960, about 6 points below Auglaize County's 44%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cridersville is 74% single-family homes, 12% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 51% of owner-occupied homes in Cridersville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 57% of occupied homes in Cridersville are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Cridersville - 67% - are primarily heated with natural gas.
FEMA rates Auglaize County's overall risk as Very Low, led by earthquake (Relatively Low). Auglaize County had 127 active NFIP flood policies as of September 2026. See the full Auglaize County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $144,300 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Auglaize County | 127 |
| 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)