Home Insurance in Wilson, Ohio
Homes in Wilson carry a median value of $160,700 - 13% higher than the Monroe County median.
The typical home in Wilson was built around 1963. About 48% of homes were built before 1960, about 16 points above Monroe County's 32%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wilson is 96% single-family homes and 4% mobile or manufactured homes.
About 44% of owner-occupied homes in Wilson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Wilson has an owner-occupancy rate of 84% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Wilson, 53% of homes are primarily heated with natural gas.
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 | $160,700 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)