Home Insurance in Donnelsville, Ohio
With a median home value of $142,200, Donnelsville is 16% lower than the Clark County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Donnelsville was built in 1939 or earlier. About 69% of homes were built before 1960, about 24 points above Clark County's 45%.
Housing in Donnelsville breaks down to 89% single-family homes and 2% mobile or manufactured homes.
About 81% of owner-occupied homes in Donnelsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Donnelsville has an owner-occupancy rate of 72% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
94% of homes in Donnelsville are primarily heated with natural gas.
What's the biggest home insurance risk near Donnelsville? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Clark County and Clark County had 330 active NFIP flood policies as of September 2026. See the full Clark County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
In Ohio, the statewide average premium for a standard HO-3 homeowners policy is $1,116 per year (NAIC, 2023 data).
Key figures
| Median home value | $142,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 81% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Clark County | 330 |
| 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)