Home Insurance in McClure, Ohio
The median home value in McClure is $86,600, 49% lower than the Henry County median.
The typical home in McClure was built around 1974. About 37% of homes were built before 1960, about 9 points below Henry County's 46%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in McClure is 48% single-family homes and 34% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In McClure, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
McClure has an owner-occupancy rate of 71% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in McClure - 80% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Henry County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. 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.
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 | $86,600 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)