HomeInsuranceQts

Home Insurance in St. Henry, Ohio

The median home value in St. Henry is $287,000, 36% higher than the Mercer County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in St. Henry was built around 1983. About 26% of homes were built before 1960, about 11 points below Mercer County's 36%.

In St. Henry, the housing stock is 85% single-family homes and 1% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.

54% of owner-occupied homes in St. Henry carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

St. Henry has an owner-occupancy rate of 87% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.

67% of homes in St. Henry 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.

The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).

Key figures

Median home value$287,000
Median year built1983
Owner-occupied share87%
Share of owner-occupied homes with a mortgage54%
Top county hazardEarthquake (Relatively Low)
Active NFIP policies in Mercer County65
Home insurance premium$1,116 - statewide average (NAIC, 2023 data)
Key home insurance figures for St. Henry, OH

Nearby towns

Sources

Data last updated: 2026-09-29