Home Insurance in Wayne County, Ohio
The median home value in Wayne County is $222,100, close to the Ohio median.
The typical home in Wayne County was built around 1975. About 31% of homes were built before 1960, about 6 points below Ohio's 38%. 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 Wayne County is 80% single-family homes, 6% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
In Wayne County, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 77% of occupied homes in Wayne County are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Wayne County - 65% - are primarily heated with natural gas.
The top hazards for Wayne County, per FEMA's National Risk Index, are hail (Relatively Moderate), winter weather (Relatively High) and strong wind (Relatively Moderate).
Wayne County had 154 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $222,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Winter Weather (Relatively High), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 154 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
- Apple Creek
- Burbank
- Congress
- Creston
- Dalton
- Doylestown
- Fredericksburg
- Marshallville
- Mount Eaton
- Orrville
- Rittman
- Shreve
- Smithville
- West Salem
- Wooster
Sources
- 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)