Home Insurance in Clay Center, Ohio
The median home value in Clay Center is $118,400, 46% lower than the Ottawa County median.
The typical home in Clay Center was built around 1950. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 72% of homes were built before 1960, about 38 points above Ottawa County's 34%.
In Clay Center, the housing stock is 100% single-family homes.
65% of owner-occupied homes in Clay Center carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Clay Center has an owner-occupancy rate of 77% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
82% of homes in Clay Center are primarily heated with natural gas.
Ottawa County had 800 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Ottawa 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 | $118,400 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Ottawa County | 800 |
| 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)