Home Insurance in Wood County, Ohio
Homes in Wood County carry a median value of $227,600 - 6% higher than the Ohio median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Wood County was built around 1978. About 26% of homes were built before 1960, about 11 points below Ohio's 38%.
The housing stock in Wood County is 68% single-family homes, 19% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 62% of owner-occupied homes in Wood County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Wood County has an owner-occupancy rate of 64% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Wood County - 65% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Wood County, per FEMA's National Risk Index, are tornado (Relatively Moderate), hail (Relatively Moderate) and inland flooding (Relatively Moderate).
Wood County had 148 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $227,600 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Hail (Relatively Moderate), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 148 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bairdstown
- Bloomdale
- Bowling Green
- Bradner
- Custar
- Cygnet
- Grand Rapids
- Haskins
- Hoytville
- Jerry City
- Luckey
- Millbury
- Milton Center
- North Baltimore
- Northwood
- Pemberville
- Perrysburg
- Portage
- Risingsun
- Rossford
- Tontogany
- Walbridge
- Wayne
- West Millgrove
- Weston
Sources
- 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)