Home Insurance in Fort Recovery, Ohio
Homes in Fort Recovery carry a median value of $162,500 - 23% lower than the Mercer County median.
The typical home in Fort Recovery was built around 1959. About 52% of homes were built before 1960, about 15 points above Mercer County's 36%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Fort Recovery is 88% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
61% of owner-occupied homes in Fort Recovery carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Fort Recovery has an owner-occupancy rate of 88% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Fort Recovery - 73% - are primarily heated with natural gas.
Mercer County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $162,500 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)