Home Insurance in Dellroy, Ohio
Homes in Dellroy carry a median value of $120,100 - 34% lower than the Carroll County median.
The typical home in Dellroy was built around 1950. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 74% of homes were built before 1960, about 40 points above Carroll County's 35%.
In Dellroy, the housing stock is 92% single-family homes and 2% mobile or manufactured homes.
About 49% of owner-occupied homes in Dellroy have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Dellroy has an owner-occupancy rate of 65% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Dellroy - 89% - are primarily heated with natural gas.
What's the biggest home insurance risk near Dellroy? FEMA's National Risk Index points to hail (Relatively Low) in Carroll County and Carroll County had 59 active NFIP flood policies as of September 2026. See the full Carroll 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 | $120,100 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Carroll County | 59 |
| 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)