Home Insurance in South Charleston, Ohio
With a median home value of $141,300, South Charleston is 17% lower than the Clark County median.
The typical home in South Charleston was built around 1970. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 44% of homes were built before 1960, in line with Clark County (45%).
The housing stock in South Charleston is 60% single-family homes, 28% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
60% of owner-occupied homes in South Charleston carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
South Charleston has an owner-occupancy rate of 54% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
56% of homes in South Charleston are primarily heated with natural gas.
FEMA rates Clark County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). 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 | $141,300 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)