Home Insurance in Hoytville, Ohio
With a median home value of $86,900, Hoytville is 62% lower than the Wood County median.
The typical home in Hoytville was built around 1961. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 50% of homes were built before 1960, about 23 points above Wood County's 26%.
In Hoytville, the housing stock is 79% single-family homes and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Hoytville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 91% of occupied homes in Hoytville are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 83% of homes in Hoytville are primarily heated with natural gas.
Wood County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $86,900 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)