Home Insurance in Perrysville, Ohio
With a median home value of $114,000, Perrysville is 39% lower than the Ashland County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Perrysville was built around 1971. About 37% of homes were built before 1960, about 6 points below Ashland County's 43%.
In Perrysville, the housing stock is 73% single-family homes, 7% apartments in buildings with 5+ units and 8% 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.
56% of owner-occupied homes in Perrysville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Perrysville are owner-occupied.
In Perrysville, 71% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Perrysville? FEMA's National Risk Index points to hail (Relatively Moderate) in Ashland County and Ashland County had 91 active NFIP flood policies as of September 2026. See the full Ashland County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Ohio, the statewide average premium for a standard HO-3 homeowners policy is $1,116 per year (NAIC, 2023 data).
Key figures
| Median home value | $114,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Ashland County | 91 |
| 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)