Home Insurance in Hollansburg, Ohio
The median home value in Hollansburg is $69,700, 60% lower than the Darke County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Hollansburg was built in 1939 or earlier. About 70% of homes were built before 1960, about 23 points above Darke County's 47%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hollansburg is 78% single-family homes and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 36% of owner-occupied homes in Hollansburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hollansburg has an owner-occupancy rate of 62% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Hollansburg, 91% of homes 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.
Darke County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $69,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)