Home Insurance in Broughton, Ohio
Homes in Broughton carry a median value of $80,000 - 43% lower than the Paulding County median.
The typical home in Broughton was built around 1975. About 30% of homes were built before 1960, about 4 points below Paulding County's 34%. 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 Broughton is 84% single-family homes and 16% mobile or manufactured homes.
In Broughton, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 91% of occupied homes in Broughton are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Broughton - 74% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Broughton? FEMA's National Risk Index points to hail (Relatively Low) in Paulding County and Paulding County had 53 active NFIP flood policies as of September 2026. See the full Paulding 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 | $80,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Paulding County | 53 |
| 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)