Home Insurance in Sylvania, Ohio
Homes in Sylvania carry a median value of $249,200 - 52% higher than the Lucas County median.
The typical home in Sylvania was built around 1975. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 20% of homes were built before 1960, about 27 points below Lucas County's 47%.
The housing stock in Sylvania is 76% single-family homes, 19% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 62% of owner-occupied homes in Sylvania have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sylvania has an owner-occupancy rate of 78% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Sylvania - 83% - are primarily heated with natural gas.
What's the biggest home insurance risk near Sylvania? FEMA's National Risk Index points to tornado (Relatively High) in Lucas County and Lucas County had 985 active NFIP flood policies as of September 2026. See the full Lucas County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $249,200 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Lucas County | 985 |
| 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)