Home Insurance in Potsdam, Ohio
The median home value in Potsdam is $124,300, 46% lower than the Miami County median.
The median home in Potsdam was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 79% of homes were built before 1960, about 43 points above Miami County's 36%.
Housing in Potsdam breaks down to 93% single-family homes and 2% mobile or manufactured homes.
About 60% of owner-occupied homes in Potsdam have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Potsdam has an owner-occupancy rate of 78% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Potsdam, 35% of homes are primarily heated with propane.
Miami County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Miami County had 281 active NFIP flood policies as of September 2026. See the full Miami 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 | $124,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Miami County | 281 |
| 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)