Home Insurance in Cygnet, Ohio
With a median home value of $114,300, Cygnet is 50% lower than the Wood County median.
The typical home in Cygnet was built around 1949. About 68% of homes were built before 1960, about 41 points above Wood County's 26%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Cygnet, the housing stock is 84% single-family homes, 10% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Cygnet, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cygnet has an owner-occupancy rate of 69% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
In Cygnet, 75% of homes are primarily heated with natural gas.
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 | $114,300 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)