Home Insurance in Defiance, Ohio
With a median home value of $139,900, Defiance is 14% lower than the Defiance County median.
The typical home in Defiance was built around 1965. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 45% of homes were built before 1960, about 4 points above Defiance County's 41%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Defiance is 76% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
59% of owner-occupied homes in Defiance carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Defiance are owner-occupied.
Most homes in Defiance - 70% - are primarily heated with natural gas.
What's the biggest home insurance risk near Defiance? FEMA's National Risk Index points to hail (Relatively Low) in Defiance County and Defiance County had 50 active NFIP flood policies as of September 2026. See the full Defiance County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $139,900 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Defiance 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)