Home Insurance in Cecil, Ohio
The median home value in Cecil is $45,000, 68% lower than the Paulding County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Cecil was built around 1952. About 61% of homes were built before 1960, about 27 points above Paulding County's 34%.
The housing stock in Cecil is 73% single-family homes and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 27% of owner-occupied homes in Cecil have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 98% of occupied homes in Cecil are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Cecil, 46% of homes are primarily heated with propane.
What's the biggest home insurance risk near Cecil? 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.
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 | $45,000 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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)