Home Insurance in Port William, Ohio
With a median home value of $96,700, Port William is 54% lower than the Clinton County median.
The typical home in Port William was built around 1956. About 53% of homes were built before 1960, about 19 points above Clinton County's 34%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Port William, the housing stock is 78% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Port William, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 87% of occupied homes in Port William 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 Port William - 64% - are primarily heated with natural gas.
Clinton County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. 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.
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 | $96,700 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)