Home Insurance in Metamora, Ohio
With a median home value of $164,600, Metamora is 14% lower than the Fulton County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Metamora was built around 1944. About 63% of homes were built before 1960, about 24 points above Fulton County's 39%.
Housing in Metamora breaks down to 93% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 68% of owner-occupied homes in Metamora have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 80% of occupied homes in Metamora are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Metamora, 83% of homes are primarily heated with natural gas.
Fulton County had 64 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Fulton 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 | $164,600 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Fulton County | 64 |
| 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)