Home Insurance in Risingsun, Ohio
With a median home value of $102,400, Risingsun is 55% lower than the Wood County median.
The median home in Risingsun was built in 1939 or earlier. About 77% of homes were built before 1960, about 50 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.
Housing in Risingsun breaks down to 97% single-family homes.
72% of owner-occupied homes in Risingsun carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Risingsun has an owner-occupancy rate of 68% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Risingsun - 94% - are primarily heated with natural gas.
What's the biggest home insurance risk near Risingsun? FEMA's National Risk Index points to tornado (Relatively Moderate) in Wood County and 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 | $102,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)