Home Insurance in Van Wert, Ohio
The median home value in Van Wert is $123,900, 18% lower than the Van Wert County median.
The typical home in Van Wert was built around 1956. About 56% of homes were built before 1960, about 6 points above Van Wert County's 50%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Van Wert is 83% single-family homes, 6% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
58% of owner-occupied homes in Van Wert carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 71% of occupied homes in Van Wert are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
70% of homes in Van Wert are primarily heated with natural gas.
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.
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 | $123,900 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)