Home Insurance in Cardington, Ohio
Homes in Cardington carry a median value of $155,000 - 30% lower than the Morrow County median.
The typical home in Cardington was built around 1978. About 36% of homes were built before 1960, about 8 points above Morrow County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cardington is 72% single-family homes, 9% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
65% of owner-occupied homes in Cardington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 69% of occupied homes in Cardington are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Cardington, 67% of homes are primarily heated with natural gas.
FEMA rates Morrow County's overall risk as Very Low, led by hail (Relatively Low). Morrow County had 29 active NFIP flood policies as of September 2026. See the full Morrow 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 | $155,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Morrow County | 29 |
| 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)