Home Insurance in Scott, Ohio
Homes in Scott carry a median value of $56,000 - 63% lower than the Van Wert County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Scott was built around 1948. About 63% of homes were built before 1960, about 13 points above Van Wert County's 50%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Scott is 97% single-family homes and 3% mobile or manufactured homes.
About 55% of owner-occupied homes in Scott have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Scott has an owner-occupancy rate of 81% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Most homes in Scott - 67% - are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Van Wert County's overall risk as Very Low, led by strong wind (Relatively Moderate). Van Wert County had 46 active NFIP flood policies as of September 2026. See the full Van Wert 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 | $56,000 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Van Wert County | 46 |
| 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)