Home Insurance in Galion, Ohio
With a median home value of $112,700, Galion is 18% lower than the Crawford County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Galion was built around 1956. About 56% of homes were built before 1960, about 4 points above Crawford County's 52%.
Housing in Galion breaks down to 72% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 52% of owner-occupied homes in Galion have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Galion are owner-occupied.
In Galion, 79% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Galion? FEMA's National Risk Index points to hail (Relatively Low) in Crawford County and 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 | $112,700 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)