Home Insurance in Warsaw, Ohio
The median home value in Warsaw is $118,200, 24% lower than the Coshocton County median.
The typical home in Warsaw was built around 1952. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 55% of homes were built before 1960, about 14 points above Coshocton County's 42%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Warsaw is 71% single-family homes, 16% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
In Warsaw, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Warsaw are owner-occupied.
Most homes in Warsaw - 65% - are primarily heated with natural gas.
FEMA rates Coshocton County's overall risk as Relatively Low, led by hail (Relatively Moderate). Coshocton County had 64 active NFIP flood policies as of September 2026. See the full Coshocton County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $118,200 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Coshocton County | 64 |
| 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)