Home Insurance in Napoleon, Ohio
With a median home value of $146,600, Napoleon is 13% lower than the Henry County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Napoleon was built around 1963. About 46% of homes were built before 1960, in line with Henry County (46%).
In Napoleon, the housing stock is 75% single-family homes, 11% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Napoleon, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Napoleon has an owner-occupancy rate of 73% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
80% of homes in Napoleon are primarily heated with natural gas.
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 | $146,600 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)