Home Insurance in Custar, Ohio
The median home value in Custar is $93,300, 59% lower than the Wood County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Custar was built in 1939 or earlier. About 88% of homes were built before 1960, about 61 points above Wood County's 26%.
The housing stock in Custar is 96% single-family homes.
38% of owner-occupied homes in Custar carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Custar has an owner-occupancy rate of 72% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Custar - 64% - are primarily heated with propane. 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.
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 | $93,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)