Home Insurance in Carey, Ohio
Homes in Carey carry a median value of $158,100 - close to the Wyandot County median.
The typical home in Carey was built around 1952. About 62% of homes were built before 1960, about 13 points above Wyandot County's 49%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Carey, the housing stock is 72% single-family homes, 5% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
67% of owner-occupied homes in Carey carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 66% of occupied homes in Carey are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
69% of homes in Carey are primarily heated with natural gas.
Wyandot County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Wyandot County had 95 active NFIP flood policies as of September 2026. See the full Wyandot 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 | $158,100 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Wyandot County | 95 |
| 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)