Home Insurance in Edison, Ohio
Homes in Edison carry a median value of $141,900 - 36% lower than the Morrow County median.
The typical home in Edison was built around 1946. About 73% of homes were built before 1960, about 45 points above Morrow County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Edison breaks down to 96% single-family homes.
In Edison, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Edison has an owner-occupancy rate of 62% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
In Edison, 84% 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.
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 | $141,900 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)