Home Insurance in Hamden, Ohio
Homes in Hamden carry a median value of $99,600 - 34% lower than the Vinton County median.
The typical home in Hamden was built around 1968. About 32% of homes were built before 1960, about 8 points above Vinton County's 24%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Hamden, the housing stock is 70% single-family homes and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
38% of owner-occupied homes in Hamden carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Hamden are owner-occupied.
Most homes in Hamden - 70% - are primarily heated with natural gas.
FEMA rates Vinton County's overall risk as Very Low, led by inland flooding (Very Low). Vinton County had 10 active NFIP flood policies as of September 2026. See the full Vinton County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $99,600 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Inland Flooding (Very Low) |
| Active NFIP policies in Vinton County | 10 |
| 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)