Home Insurance in Florida, Ohio
With a median home value of $79,500, Florida is 53% lower than the Henry County median.
The typical home in Florida was built around 1960. About 50% of homes were built before 1960, about 3 points above Henry County's 46%. 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 Florida is 92% single-family homes and 6% mobile or manufactured homes.
77% of owner-occupied homes in Florida carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 76% of occupied homes in Florida are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Florida, 87% of homes are primarily heated with natural gas.
FEMA rates Henry County's overall risk as Very Low, led by hail (Relatively Low). Henry County had 48 active NFIP flood policies as of September 2026. See the full Henry 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 | $79,500 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 77% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Henry County | 48 |
| 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)