Home Insurance in Arcadia, Ohio
With a median home value of $165,700, Arcadia is 19% lower than the Hancock County median.
The typical home in Arcadia was built around 1953. About 60% of homes were built before 1960, about 23 points above Hancock County's 37%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Arcadia breaks down to 97% single-family homes and 2% mobile or manufactured homes.
About 66% of owner-occupied homes in Arcadia have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 95% of occupied homes in Arcadia are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Arcadia - 88% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Hancock County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Hancock County had 436 active NFIP flood policies as of September 2026. See the full Hancock County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $165,700 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Hancock County | 436 |
| 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)