Home Insurance in Martins Ferry, Ohio
Homes in Martins Ferry carry a median value of $96,200 - 38% lower than the Belmont County median.
The typical home in Martins Ferry was built around 1947. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 67% of homes were built before 1960, about 21 points above Belmont County's 46%.
Housing in Martins Ferry breaks down to 68% single-family homes and 18% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Martins Ferry, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Martins Ferry has an owner-occupancy rate of 54% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
70% of homes in Martins Ferry are primarily heated with natural gas.
What's the biggest home insurance risk near Martins Ferry? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Belmont County and Belmont County had 189 active NFIP flood policies as of September 2026. 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.
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 | $96,200 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)