Home Insurance in Castine, Ohio
The median home value in Castine is $112,500, 35% lower than the Darke County median.
The median home in Castine was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 88% of homes were built before 1960, about 41 points above Darke County's 47%.
The housing stock in Castine is 100% single-family homes.
45% of owner-occupied homes in Castine carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 79% of occupied homes in Castine are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
93% of homes in Castine are primarily heated with natural gas.
What's the biggest home insurance risk near Castine? FEMA's National Risk Index points to tornado (Relatively Moderate) in Darke County and Darke County had 82 active NFIP flood policies as of September 2026. See the full Darke County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $112,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Darke County | 82 |
| 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)