Home Insurance in Ney, Ohio
The median home value in Ney is $141,700, 13% lower than the Defiance County median.
The typical home in Ney was built around 1943. About 69% of homes were built before 1960, about 29 points above Defiance County's 41%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Ney is 98% single-family homes.
In Ney, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 77% of occupied homes in Ney are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Ney - 68% - are primarily heated with natural gas.
Defiance County had 50 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). 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 | $141,700 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)