Home Insurance in Put-in-Bay, Ohio
The median home value in Put-in-Bay is $450,000, 105% higher than the Ottawa County median.
The typical home in Put-in-Bay was built around 1986. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 28% of homes were built before 1960, about 7 points below Ottawa County's 34%.
The housing stock in Put-in-Bay is 64% single-family homes and 24% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Put-in-Bay, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 79%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Put-in-Bay are owner-occupied.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 48% of homes in Put-in-Bay are primarily heated with electricity.
Ottawa County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Ottawa County had 800 active NFIP flood policies as of September 2026. See the full Ottawa County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $450,000 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)