Home Insurance in Coldwater, Ohio
Homes in Coldwater carry a median value of $232,200 - 10% higher than the Mercer County median.
The typical home in Coldwater was built around 1974. About 37% of homes were built before 1960, in line with Mercer County (36%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Coldwater, the housing stock is 81% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 55% of owner-occupied homes in Coldwater have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 70% of occupied homes in Coldwater are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 61% of homes in Coldwater are primarily heated with natural gas.
What's the biggest home insurance risk near Coldwater? FEMA's National Risk Index points to earthquake (Relatively Low) in Mercer County and Mercer County had 65 active NFIP flood policies as of September 2026. See the full Mercer County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $232,200 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Mercer County | 65 |
| 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)