Home Insurance in Holgate, Ohio
With a median home value of $100,800, Holgate is 40% lower than the Henry County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Holgate was built around 1955. About 61% of homes were built before 1960, about 14 points above Henry County's 46%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Holgate is 81% single-family homes, 2% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
In Holgate, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 86% of occupied homes in Holgate are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
84% of homes in Holgate are primarily heated with natural gas.
Henry County had 48 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Henry 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 | $100,800 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)