Home Insurance in Orrville, Ohio
The median home value in Orrville is $188,900, 15% lower than the Wayne County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Orrville was built around 1973. About 34% of homes were built before 1960, about 3 points above Wayne County's 31%.
The housing stock in Orrville is 67% single-family homes, 10% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
60% of owner-occupied homes in Orrville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Orrville has an owner-occupancy rate of 62% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
80% of homes in Orrville 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.
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 | $188,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)