Home Insurance in Pemberville, Ohio
Homes in Pemberville carry a median value of $184,800 - 19% lower than the Wood County median.
The median home in Pemberville was built in 1939 or earlier. About 72% of homes were built before 1960, about 46 points above Wood County's 26%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Pemberville, the housing stock is 91% single-family homes and 3% apartments in buildings with 5+ units.
75% of owner-occupied homes in Pemberville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pemberville has an owner-occupancy rate of 70% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Pemberville, 81% of homes 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.
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 | $184,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)