Home Insurance in Windham, Ohio
Homes in Windham carry a median value of $128,700 - 43% lower than the Portage County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Windham was built around 1973. About 31% of homes were built before 1960, about 5 points above Portage County's 26%.
In Windham, the housing stock is 74% single-family homes, 24% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
68% of owner-occupied homes in Windham carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Windham has an owner-occupancy rate of 68% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Windham, 74% of homes are primarily heated with natural gas.
FEMA rates Portage County's overall risk as Relatively Low, led by hail (Relatively Moderate). Portage County had 200 active NFIP flood policies as of September 2026. See the full Portage 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 | $128,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Portage County | 200 |
| 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)