Home Insurance in Harpster, Ohio
Homes in Harpster carry a median value of $137,800 - 16% lower than the Wyandot County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Harpster was built in 1939 or earlier. About 90% of homes were built before 1960, about 41 points above Wyandot County's 49%.
In Harpster, the housing stock is 98% single-family homes and 2% mobile or manufactured homes.
In Harpster, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Harpster has an owner-occupancy rate of 97% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Harpster, 86% of homes are primarily heated with natural gas.
Wyandot County had 95 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Wyandot 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 | $137,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 28% |
| 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)