Home Insurance in Ontario, Ohio
With a median home value of $174,500, Ontario is 6% higher than the Richland County median.
The typical home in Ontario was built around 1986. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 22% of homes were built before 1960, about 21 points below Richland County's 43%.
In Ontario, the housing stock is 74% single-family homes and 17% apartments in buildings with 5+ units.
52% of owner-occupied homes in Ontario carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ontario has an owner-occupancy rate of 59% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Ontario - 61% - are primarily heated with natural gas.
What's the biggest home insurance risk near Ontario? FEMA's National Risk Index points to hail (Relatively Moderate) in Richland County and Richland County had 126 active NFIP flood policies as of September 2026. See the full Richland 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 | $174,500 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Richland County | 126 |
| 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)