Home Insurance in Brookside, Ohio
Homes in Brookside carry a median value of $117,000 - 24% lower than the Belmont County median.
The median home in Brookside was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 74% of homes were built before 1960, about 29 points above Belmont County's 46%.
In Brookside, the housing stock is 90% single-family homes.
60% of owner-occupied homes in Brookside carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Brookside has an owner-occupancy rate of 87% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
In Brookside, 86% of homes are primarily heated with natural gas.
Belmont County had 189 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). See the full Belmont 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 | $117,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Belmont County | 189 |
| 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)