Home Insurance in Wren, Ohio
Homes in Wren carry a median value of $82,500 - 46% lower than the Van Wert County median.
The median home in Wren was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 83% of homes were built before 1960, about 33 points above Van Wert County's 50%.
The housing stock in Wren is 98% single-family homes and 2% mobile or manufactured homes.
About 56% of owner-occupied homes in Wren have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Wren has an owner-occupancy rate of 78% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
Most homes in Wren - 68% - are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Van Wert County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. 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 | $82,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)