Home Insurance in McGuffey, Ohio
The median home value in McGuffey is $77,900, 48% lower than the Hardin County median.
The typical home in McGuffey was built around 1963. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 49% of homes were built before 1960, about 8 points above Hardin County's 41%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in McGuffey is 86% single-family homes and 14% mobile or manufactured homes.
About 34% of owner-occupied homes in McGuffey have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
McGuffey has an owner-occupancy rate of 85% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in McGuffey - 76% - are primarily heated with natural gas.
FEMA rates Hardin County's overall risk as Very Low, led by hail (Relatively Low). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $77,900 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)