Home Insurance in St. Clairsville, Ohio
Homes in St. Clairsville carry a median value of $199,000 - 28% higher than the Belmont County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in St. Clairsville was built around 1970. About 40% of homes were built before 1960, about 6 points below Belmont County's 46%.
In St. Clairsville, the housing stock is 69% single-family homes, 17% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 61% of owner-occupied homes in St. Clairsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
St. Clairsville has an owner-occupancy rate of 68% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in St. Clairsville - 80% - are primarily heated with natural gas.
Belmont County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $199,000 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)