Home Insurance in Stafford, Ohio
The median home value in Stafford is $152,500, 7% higher than the Monroe County median.
The typical home in Stafford was built around 1948. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 51% of homes were built before 1960, about 19 points above Monroe County's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Stafford is 84% single-family homes and 16% mobile or manufactured homes.
About 35% of owner-occupied homes in Stafford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 70% of occupied homes in Stafford are owner-occupied.
Most homes in Stafford - 81% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Monroe County's top FEMA-rated hazard is hurricane (Very Low), per FEMA's National Risk Index. Monroe County had 26 active NFIP flood policies as of September 2026. See the full Monroe County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $152,500 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Hurricane (Very Low) |
| Active NFIP policies in Monroe County | 26 |
| 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)