Home Insurance in Patterson, Ohio
Homes in Patterson carry a median value of $70,000 - 54% lower than the Hardin County median.
The typical home in Patterson was built around 1969. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 35% of homes were built before 1960, about 6 points below Hardin County's 41%.
In Patterson, the housing stock is 82% single-family homes and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
44% of owner-occupied homes in Patterson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Patterson are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Patterson, 49% of homes are primarily heated with propane.
Hardin County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. 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.
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 | $70,000 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 58% |
| 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)