Home Insurance in Millbury, Ohio
Homes in Millbury carry a median value of $216,000 - 5% lower than the Wood County median.
The typical home in Millbury was built around 1979. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 20% of homes were built before 1960, about 6 points below Wood County's 26%.
In Millbury, the housing stock is 79% single-family homes and 3% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
67% of owner-occupied homes in Millbury carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Millbury has an owner-occupancy rate of 75% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Millbury - 76% - 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.
The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $216,000 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)