Home Insurance in Castalia, Ohio
Homes in Castalia carry a median value of $186,300 - 7% lower than the Erie County median.
The typical home in Castalia was built around 1954. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 59% of homes were built before 1960, about 19 points above Erie County's 40%.
In Castalia, the housing stock is 90% single-family homes and 1% mobile or manufactured homes.
About 72% of owner-occupied homes in Castalia have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Castalia are owner-occupied.
In Castalia, 69% 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.
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 | $186,300 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)