Home Insurance in Caledonia, Ohio
With a median home value of $120,100, Caledonia is 23% lower than the Marion County median.
The typical home in Caledonia was built around 1949. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 60% of homes were built before 1960, about 14 points above Marion County's 46%.
In Caledonia, the housing stock is 84% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 57% of owner-occupied homes in Caledonia have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Caledonia are owner-occupied.
In Caledonia, 87% of homes are primarily heated with natural gas.
FEMA rates Marion County's overall risk as Relatively Low, led by strong wind (Relatively High). Marion County had 199 active NFIP flood policies as of September 2026. See the full Marion 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 | $120,100 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Marion County | 199 |
| 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)