Home Insurance in Bucyrus, Ohio
With a median home value of $128,600, Bucyrus is 6% lower than the Crawford County median.
The typical home in Bucyrus was built around 1957. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 55% of homes were built before 1960, about 3 points above Crawford County's 52%.
The housing stock in Bucyrus is 78% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
58% of owner-occupied homes in Bucyrus carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bucyrus has an owner-occupancy rate of 67% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Bucyrus, 76% of homes are primarily heated with natural gas.
Crawford County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Crawford County had 50 active NFIP flood policies as of September 2026. See the full Crawford County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $128,600 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Crawford County | 50 |
| 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)