HomeInsuranceQts

Home Insurance in Vandalia, Ohio

Homes in Vandalia carry a median value of $197,000 - 9% higher than the Montgomery County median.

Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Vandalia was built around 1973. About 23% of homes were built before 1960, about 17 points below Montgomery County's 40%.

Housing in Vandalia breaks down to 74% single-family homes and 13% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.

63% of owner-occupied homes in Vandalia carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

About 64% of occupied homes in Vandalia are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

57% of homes in Vandalia are primarily heated with natural gas.

Montgomery County had 1,025 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Montgomery County home insurance overview for all FEMA hazard ratings and flood coverage details.

In Ohio, the statewide average premium for a standard HO-3 homeowners policy is $1,116 per year (NAIC, 2023 data).

Key figures

Median home value$197,000
Median year built1973
Owner-occupied share64%
Share of owner-occupied homes with a mortgage63%
Top county hazardStrong Wind (Relatively High)
Active NFIP policies in Montgomery County1,025
Home insurance premium$1,116 - statewide average (NAIC, 2023 data)
Key home insurance figures for Vandalia, OH

Nearby towns

Sources

Data last updated: 2026-09-29