Home Insurance in Findlay, Ohio
Homes in Findlay carry a median value of $191,000 - 7% lower than the Hancock County median.
The typical home in Findlay was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 37% of homes were built before 1960, in line with Hancock County (37%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Findlay is 67% single-family homes, 17% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
61% of owner-occupied homes in Findlay carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 60% of occupied homes in Findlay are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Findlay - 70% - are primarily heated with natural gas.
FEMA rates Hancock County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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.
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 | $191,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)