Home Insurance in Rossford, Ohio
Homes in Rossford carry a median value of $174,900 - 23% lower than the Wood County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Rossford was built around 1971. About 40% of homes were built before 1960, about 13 points above Wood County's 26%.
The housing stock in Rossford is 75% single-family homes and 18% apartments in buildings with 5+ units.
About 71% of owner-occupied homes in Rossford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Rossford has an owner-occupancy rate of 64% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Rossford - 69% - 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 | $174,900 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)