Home Insurance in New Bavaria, Ohio
With a median home value of $111,500, New Bavaria is 34% lower than the Henry County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in New Bavaria was built in 1939 or earlier. About 94% of homes were built before 1960, about 47 points above Henry County's 46%.
The housing stock in New Bavaria is 98% single-family homes and 2% mobile or manufactured homes.
69% of owner-occupied homes in New Bavaria carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
New Bavaria has an owner-occupancy rate of 100% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In New Bavaria, 87% of homes are primarily heated with propane.
What's the biggest home insurance risk near New Bavaria? FEMA's National Risk Index points to hail (Relatively Low) in Henry County and 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 | $111,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)