Home Insurance in Trimble, Ohio
Homes in Trimble carry a median value of $60,400 - 67% lower than the Athens County median.
The typical home in Trimble was built around 1946. About 62% of homes were built before 1960, about 29 points above Athens County's 33%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Trimble, the housing stock is 74% single-family homes and 26% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
28% of owner-occupied homes in Trimble carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in Trimble are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Trimble - 55% - are primarily heated with natural gas.
What's the biggest home insurance risk near Trimble? 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 | $60,400 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 28% |
| 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)