Home Insurance in Sardinia, Ohio
Homes in Sardinia carry a median value of $99,600 - 49% lower than the Brown County median.
The typical home in Sardinia was built around 1958. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 54% of homes were built before 1960, about 28 points above Brown County's 26%.
In Sardinia, the housing stock is 59% single-family homes, 16% apartments in buildings with 5+ units and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
63% of owner-occupied homes in Sardinia carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 66% of occupied homes in Sardinia are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Sardinia - 61% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Brown County had 100 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). 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 | $99,600 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)