Home Insurance in Pandora, Ohio
The median home value in Pandora is $147,700, 27% lower than the Putnam County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Pandora was built around 1953. About 66% of homes were built before 1960, about 28 points above Putnam County's 37%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pandora is 88% single-family homes, 1% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
74% of owner-occupied homes in Pandora carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 75% of occupied homes in Pandora are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Pandora - 60% - are primarily heated with natural gas. 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.
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 | $147,700 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)