Home Insurance in Buchtel, Ohio
With a median home value of $150,000, Buchtel is 19% lower than the Athens County median.
The typical home in Buchtel was built around 1971. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 40% of homes were built before 1960, about 7 points above Athens County's 33%.
In Buchtel, the housing stock is 67% single-family homes and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Buchtel carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Buchtel has an owner-occupancy rate of 77% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Buchtel, 49% of homes are primarily heated with natural gas.
FEMA rates Athens County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Athens County had 235 active NFIP flood policies as of September 2026. See the full Athens County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $150,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Athens County | 235 |
| 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)