Home Insurance in Bairdstown, Ohio
The median home value in Bairdstown is $70,000, 69% lower than the Wood County median.
The typical home in Bairdstown was built around 1953. About 58% of homes were built before 1960, about 32 points above Wood County's 26%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Bairdstown, the housing stock is 86% single-family homes and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in Bairdstown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bairdstown has an owner-occupancy rate of 91% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Bairdstown, 77% of homes 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.
Wood County had 148 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Wood County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $70,000 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Wood County | 148 |
| 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)