Home Insurance in Fremont, Ohio
With a median home value of $117,500, Fremont is 27% lower than the Sandusky County median.
The typical home in Fremont was built around 1951. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 63% of homes were built before 1960, about 14 points above Sandusky County's 50%.
The housing stock in Fremont is 68% single-family homes, 11% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 60% of owner-occupied homes in Fremont have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Fremont has an owner-occupancy rate of 57% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Fremont, 76% of homes are primarily heated with natural gas.
Sandusky County had 131 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Sandusky 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 | $117,500 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Sandusky County | 131 |
| 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)