Home Insurance in North Fairfield, Ohio
The median home value in North Fairfield is $104,400, 37% lower than the Huron County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in North Fairfield was built around 1953. About 60% of homes were built before 1960, about 18 points above Huron County's 41%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in North Fairfield is 83% single-family homes and 13% mobile or manufactured homes.
About 55% of owner-occupied homes in North Fairfield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in North Fairfield are owner-occupied.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 36% of homes in North Fairfield are primarily heated with natural gas.
Huron County had 68 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Huron 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 | $104,400 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Huron County | 68 |
| 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)