Home Insurance in Rockford, Ohio
With a median home value of $135,400, Rockford is 36% lower than the Mercer County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Rockford was built around 1962. About 47% of homes were built before 1960, about 11 points above Mercer County's 36%.
In Rockford, the housing stock is 80% single-family homes, 6% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 58% of owner-occupied homes in Rockford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Rockford has an owner-occupancy rate of 71% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Rockford - 58% - are primarily heated with natural gas.
Mercer County had 65 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). 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 | $135,400 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)