Home Insurance in Yorkville, Ohio
Homes in Yorkville carry a median value of $137,500 - 11% lower than the Belmont County median.
The typical home in Yorkville was built around 1956. About 61% of homes were built before 1960, about 16 points above Belmont County's 46%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Yorkville, the housing stock is 71% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Yorkville, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Yorkville are owner-occupied.
82% of homes in Yorkville are primarily heated with natural gas.
What's the biggest home insurance risk near Yorkville? 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.
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 | $137,500 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)