HomeInsuranceQts

Home Insurance in Haviland, Ohio

With a median home value of $89,200, Haviland is 37% 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 Haviland was built around 1954. About 68% of homes were built before 1960, about 33 points above Paulding County's 34%.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Haviland is 87% single-family homes and 13% mobile or manufactured homes.

In Haviland, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 74% of occupied homes in Haviland are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

67% of homes in Haviland are primarily heated with natural gas.

Paulding County had 53 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). 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$89,200
Median year built1954
Owner-occupied share74%
Share of owner-occupied homes with a mortgage32%
Top county hazardHail (Relatively Low)
Active NFIP policies in Paulding County53
Home insurance premium$1,116 - statewide average (NAIC, 2023 data)
Key home insurance figures for Haviland, OH

Nearby towns

Sources

Data last updated: 2026-09-29