Home Insurance in Forest, Ohio
With a median home value of $112,700, Forest is 25% lower than the Hardin County median.
The typical home in Forest was built around 1953. About 60% of homes were built before 1960, about 19 points above Hardin County's 41%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Forest is 85% single-family homes, 3% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
About 44% of owner-occupied homes in Forest have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Forest are owner-occupied.
76% of homes in Forest are primarily heated with natural gas.
What's the biggest home insurance risk near Forest? FEMA's National Risk Index points to hail (Relatively Low) in Hardin County and Hardin County had 59 active NFIP flood policies as of September 2026. See the full Hardin 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 | $112,700 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Hardin County | 59 |
| 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)