Home Insurance in Kirby, Ohio
With a median home value of $105,000, Kirby is 36% lower than the Wyandot County median.
The median home in Kirby was built in 1939 or earlier. About 73% of homes were built before 1960, about 24 points above Wyandot County's 49%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Kirby breaks down to 73% single-family homes. The rest are 2-4 unit or other housing types.
In Kirby, about 77% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Kirby are owner-occupied.
Most homes in Kirby - 87% - are primarily heated with natural gas.
FEMA rates Wyandot County's overall risk as Very Low, led by hail (Relatively Low). 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.
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 | $105,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)