Home Insurance in Caldwell, Ohio
The median home value in Caldwell is $115,300, 30% lower than the Noble County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Caldwell was built around 1957. About 56% of homes were built before 1960, about 24 points above Noble County's 31%.
In Caldwell, the housing stock is 71% single-family homes, 10% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
28% of owner-occupied homes in Caldwell carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Caldwell has an owner-occupancy rate of 69% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Caldwell, 78% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Caldwell? FEMA's National Risk Index points to hurricane (Very Low) in Noble County and Noble County had 55 active NFIP flood policies as of September 2026. See the full Noble 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 | $115,300 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Hurricane (Very Low) |
| Active NFIP policies in Noble County | 55 |
| 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)