Home Insurance in Creston, Ohio
With a median home value of $171,500, Creston is 23% lower than the Wayne County median.
The typical home in Creston was built around 1975. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 33% of homes were built before 1960, about 2 points above Wayne County's 31%.
The housing stock in Creston is 76% single-family homes, 2% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 57% of owner-occupied homes in Creston have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Creston has an owner-occupancy rate of 88% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Creston - 88% - are primarily heated with natural gas.
FEMA rates Wayne County's overall risk as Relatively Low, led by hail (Relatively Moderate). Wayne County had 154 active NFIP flood policies as of September 2026. See the full Wayne 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 | $171,500 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Wayne County | 154 |
| 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)