Home Insurance in Paulding, Ohio
With a median home value of $120,200, Paulding is 15% lower than the Paulding County median.
The typical home in Paulding was built around 1964. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 43% of homes were built before 1960, about 9 points above Paulding County's 34%.
In Paulding, the housing stock is 77% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
61% of owner-occupied homes in Paulding carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Paulding are owner-occupied.
Most homes in Paulding - 55% - are primarily heated with natural gas.
What's the biggest home insurance risk near Paulding? 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.
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 | $120,200 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)