Home Insurance in Midland, Ohio
Homes in Midland carry a median value of $121,100 - 43% lower than the Clinton County median.
The typical home in Midland was built around 1991. About 30% of homes were built before 1960, about 4 points below Clinton County's 34%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Midland breaks down to 85% single-family homes, 9% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 64% of owner-occupied homes in Midland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Midland are owner-occupied.
Most homes in Midland - 81% - are primarily heated with electricity.
What's the biggest home insurance risk near Midland? FEMA's National Risk Index points to earthquake (Relatively Low) in Clinton County and Clinton County had 74 active NFIP flood policies as of September 2026. See the full Clinton 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 | $121,100 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Clinton County | 74 |
| 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)