Home Insurance in De Graff, Ohio
The median home value in De Graff is $183,800, 10% lower than the Logan County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in De Graff was built around 1950. About 57% of homes were built before 1960, about 18 points above Logan County's 38%.
In De Graff, the housing stock is 92% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In De Graff, about 81% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 89% of occupied homes in De Graff are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
43% of homes in De Graff are primarily heated with natural gas. 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.
What's the biggest home insurance risk near De Graff? FEMA's National Risk Index points to hail (Relatively Moderate) in Logan County and Logan County had 250 active NFIP flood policies as of September 2026. See the full Logan 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 | $183,800 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 81% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Logan County | 250 |
| 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)