Home Insurance in Edon, Ohio
The median home value in Edon is $110,100, 27% lower than the Williams County median.
The typical home in Edon was built around 1962. About 48% of homes were built before 1960, about 5 points above Williams County's 43%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Edon, the housing stock is 84% single-family homes, 5% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Edon, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Edon has an owner-occupancy rate of 77% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Edon, 61% 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.
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 | $110,100 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 77% |
| 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)