Home Insurance in Chauncey, Ohio
With a median home value of $74,400, Chauncey is 60% lower than the Athens County median.
The typical home in Chauncey was built around 1954. About 55% of homes were built before 1960, about 22 points above Athens County's 33%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Chauncey, the housing stock is 69% single-family homes, 1% apartments in buildings with 5+ units and 19% 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.
In Chauncey, about 59% 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 53% of occupied homes in Chauncey are owner-occupied.
80% of homes in Chauncey are primarily heated with natural gas.
What's the biggest home insurance risk near Chauncey? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Athens County and 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 | $74,400 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)