Home Insurance in Morral, Ohio
The median home value in Morral is $119,000, 24% lower than the Marion County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Morral was built around 1943. About 57% of homes were built before 1960, about 10 points above Marion County's 46%.
Housing in Morral breaks down to 97% single-family homes, 1% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 58% of owner-occupied homes in Morral have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Morral are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Morral, 65% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Morral? FEMA's National Risk Index points to strong wind (Relatively High) in Marion County and 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 | $119,000 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)