Home Insurance in Ottawa, Ohio
The median home value in Ottawa is $190,700, 5% lower than the Putnam County median.
The typical home in Ottawa was built around 1974. About 31% of homes were built before 1960, about 7 points below Putnam County's 37%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ottawa is 78% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
56% of owner-occupied homes in Ottawa carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 75% of occupied homes in Ottawa are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Ottawa, 49% of homes are primarily heated with natural gas.
Putnam County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. 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.
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 | $190,700 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)