Home Insurance in Montezuma, Ohio
With a median home value of $110,900, Montezuma is 47% lower than the Mercer County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Montezuma was built around 1947. About 84% of homes were built before 1960, about 47 points above Mercer County's 36%.
In Montezuma, the housing stock is 99% single-family homes.
About 65% of owner-occupied homes in Montezuma have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Montezuma are owner-occupied.
Most homes in Montezuma - 71% - 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 | $110,900 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)