Home Insurance in Leipsic, Ohio
The median home value in Leipsic is $110,700, 45% lower than the Putnam County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Leipsic was built around 1974. About 40% of homes were built before 1960, about 3 points above Putnam County's 37%.
The housing stock in Leipsic is 77% single-family homes, 7% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Leipsic, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Leipsic are owner-occupied.
65% of homes in Leipsic are primarily heated with natural gas.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $110,700 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)