Home Insurance in Wharton, Ohio
With a median home value of $96,500, Wharton is 41% lower than the Wyandot County median.
The median home in Wharton was built in 1939 or earlier. About 76% of homes were built before 1960, about 27 points above Wyandot County's 49%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Wharton is 89% single-family homes. The rest are 2-4 unit or other housing types.
46% of owner-occupied homes in Wharton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Wharton are owner-occupied.
92% of homes in Wharton 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.
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 | $96,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)