Home Insurance in Edgerton, Ohio
The median home value in Edgerton is $115,000, 23% lower than the Williams County median.
The typical home in Edgerton was built around 1967. About 46% of homes were built before 1960, about 4 points above Williams County's 43%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Edgerton, the housing stock is 73% single-family homes, 1% apartments in buildings with 5+ units and 14% 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.
About 53% of owner-occupied homes in Edgerton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 71% of occupied homes in Edgerton are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Edgerton, 75% of homes are primarily heated with natural gas.
Williams County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Williams County had 45 active NFIP flood policies as of September 2026. See the full Williams 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 | $115,000 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Williams County | 45 |
| 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)