Home Insurance in Haskins, Ohio
The median home value in Haskins is $240,600, 6% higher than the Wood County median.
The typical home in Haskins was built around 1998. About 25% of homes were built before 1960, in line with Wood County (26%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Haskins breaks down to 95% single-family homes and 2% apartments in buildings with 5+ units.
79% of owner-occupied homes in Haskins carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Haskins are owner-occupied.
89% of homes in Haskins are primarily heated with natural gas.
FEMA rates Wood County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Wood County had 148 active NFIP flood policies as of September 2026. 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 | $240,600 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 79% |
| 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)