Home Insurance in New Carlisle, Ohio
The median home value in New Carlisle is $131,800, 22% lower than the Clark County median.
The typical home in New Carlisle was built around 1966. About 31% of homes were built before 1960, about 14 points below Clark County's 45%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in New Carlisle is 84% single-family homes and 3% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
65% of owner-occupied homes in New Carlisle carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
New Carlisle has an owner-occupancy rate of 67% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
In New Carlisle, 85% of homes are primarily heated with natural gas.
Clark County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $131,800 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)