Home Insurance in Pioneer, Ohio
The median home value in Pioneer is $152,400, close to the Williams County median.
The typical home in Pioneer was built around 1957. About 52% of homes were built before 1960, about 9 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 Pioneer, the housing stock is 63% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Pioneer, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Pioneer are owner-occupied.
Most homes in Pioneer - 66% - are primarily heated with natural gas.
FEMA rates Williams County's overall risk as Relatively Low, led by strong wind (Relatively Moderate). 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 | $152,400 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)