Home Insurance in Crawford County, Ohio
The median home value in Crawford County is $136,700, 36% lower than the Ohio median.
The typical home in Crawford County was built around 1959. About 52% of homes were built before 1960, about 14 points above Ohio's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Crawford County, the housing stock is 83% single-family homes, 6% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Crawford County, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Crawford County has an owner-occupancy rate of 73% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Crawford County - 59% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Crawford County, per FEMA's National Risk Index, are hail (Relatively Low), winter weather (Relatively Moderate) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Crawford County has 50 active NFIP flood policies on file.
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 | $136,700 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Winter Weather (Relatively Moderate), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 50 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
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)