Home Insurance in Fredericksburg, Ohio
Homes in Fredericksburg carry a median value of $168,400 - 24% lower than the Wayne County median.
The median home in Fredericksburg was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 70% of homes were built before 1960, about 39 points above Wayne County's 31%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fredericksburg is 79% single-family homes and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Fredericksburg, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fredericksburg has an owner-occupancy rate of 75% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Fredericksburg - 77% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $168,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)