Home Insurance in Wadsworth, Ohio
The median home value in Wadsworth is $247,900, 14% lower than the Medina County median.
The typical home in Wadsworth was built around 1978. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 29% of homes were built before 1960, about 9 points above Medina County's 20%.
Housing in Wadsworth breaks down to 76% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
70% of owner-occupied homes in Wadsworth carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Wadsworth has an owner-occupancy rate of 68% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
84% of homes in Wadsworth are primarily heated with natural gas.
FEMA rates Medina County's overall risk as Relatively Low, led by winter weather (Relatively High). Medina County had 260 active NFIP flood policies as of September 2026. See the full Medina 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 | $247,900 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Medina County | 260 |
| 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)