Home Insurance in Van Buren, Ohio
With a median home value of $174,400, Van Buren is 15% lower than the Hancock County median.
The median home in Van Buren was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 72% of homes were built before 1960, about 34 points above Hancock County's 37%.
In Van Buren, the housing stock is 100% single-family homes.
80% of owner-occupied homes in Van Buren carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 98% of occupied homes in Van Buren are owner-occupied.
Most homes in Van Buren - 79% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Hancock County had 436 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). 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 | $174,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)