Home Insurance in Ripley, Ohio
With a median home value of $112,200, Ripley is 43% lower than the Brown County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ripley was built around 1956. About 56% of homes were built before 1960, about 30 points above Brown County's 26%.
The housing stock in Ripley is 72% single-family homes, 4% apartments in buildings with 5+ units and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Ripley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ripley has an owner-occupancy rate of 59% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
Most homes in Ripley - 63% - are primarily heated with natural gas.
What's the biggest home insurance risk near Ripley? FEMA's National Risk Index points to strong wind (Relatively High) in Brown County and Brown County had 100 active NFIP flood policies as of September 2026. See the full Brown County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $112,200 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Brown County | 100 |
| 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)