Home Insurance in Ostrander, Ohio
Homes in Ostrander carry a median value of $485,600 - 9% higher than the Delaware County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Ostrander was built around 2006. About 25% of homes were built before 1960, about 15 points above Delaware County's 10%.
The housing stock in Ostrander is 99% single-family homes and 1% mobile or manufactured homes.
About 82% of owner-occupied homes in Ostrander have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ostrander has an owner-occupancy rate of 97% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Ostrander, 49% of homes are primarily heated with propane. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Delaware County had 219 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Delaware 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 | $485,600 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 82% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Delaware County | 219 |
| 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)