Home Insurance in Dupont, Ohio
The median home value in Dupont is $109,500, 46% lower than the Putnam County median.
The median home in Dupont was built in 1939 or earlier. About 57% of homes were built before 1960, about 19 points above Putnam County's 37%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Dupont is 84% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
69% of owner-occupied homes in Dupont carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 97% of occupied homes in Dupont are owner-occupied.
Most homes in Dupont - 56% - 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.
Putnam County had 145 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Putnam 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 | $109,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)