Home Insurance in Cloverdale, Ohio
The median home value in Cloverdale is $79,300, 61% lower than the Putnam County median.
The typical home in Cloverdale was built around 1978. About 43% of homes were built before 1960, about 5 points above Putnam County's 37%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Cloverdale is 62% single-family homes and 38% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
58% of owner-occupied homes in Cloverdale 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 87% of occupied homes in Cloverdale are owner-occupied.
Most homes in Cloverdale - 52% - 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.
FEMA rates Putnam County's overall risk as Very Low, led by hail (Relatively Low). Putnam County had 145 active NFIP flood policies as of September 2026. See the full Putnam 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 | $79,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Putnam County | 145 |
| 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)