Home Insurance in Nelsonville, Ohio
With a median home value of $99,200, Nelsonville is 46% lower than the Athens County median.
The typical home in Nelsonville was built around 1952. About 60% of homes were built before 1960, about 27 points above Athens County's 33%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Nelsonville, the housing stock is 60% single-family homes, 11% apartments in buildings with 5+ units and 5% 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.
55% of owner-occupied homes in Nelsonville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Nelsonville has an owner-occupancy rate of 40% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
In Nelsonville, 51% of homes are primarily heated with natural gas.
Athens County had 235 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). 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.
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 | $99,200 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)