Home Insurance in Osgood, Ohio
The median home value in Osgood is $227,500, 31% higher than the Darke County median.
The typical home in Osgood was built around 1972. About 42% of homes were built before 1960, about 5 points below Darke County's 47%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Osgood breaks down to 84% single-family homes. The rest are 2-4 unit or other housing types.
52% of owner-occupied homes in Osgood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Osgood are owner-occupied.
In Osgood, 49% of homes are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Osgood? 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 | $227,500 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)