Home Insurance in Defiance County, Ohio
Homes in Defiance County carry a median value of $163,200 - 24% lower than the Ohio median.
The typical home in Defiance County was built around 1968. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 41% of homes were built before 1960, about 3 points above Ohio's 38%.
In Defiance County, the housing stock is 83% single-family homes, 6% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 56% of owner-occupied homes in Defiance County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Defiance County has an owner-occupancy rate of 79% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Defiance County, 49% 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.
The top hazards for Defiance County, per FEMA's National Risk Index, are hail (Relatively Low), tornado (Relatively Low) and inland flooding (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Defiance County has 50 active NFIP flood policies on file.
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 | $163,200 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Tornado (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 50 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)