Home Insurance in Bay View, Ohio
The median home value in Bay View is $169,300, 15% lower than the Erie County median.
The typical home in Bay View was built around 1962. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 48% of homes were built before 1960, about 7 points above Erie County's 40%.
Housing in Bay View breaks down to 100% single-family homes.
In Bay View, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 89% of occupied homes in Bay View are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Bay View, 85% of homes are primarily heated with natural gas.
Erie County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Erie County had 475 active NFIP flood policies as of September 2026. See the full Erie 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 | $169,300 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Erie County | 475 |
| 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)