Home Insurance in South Vienna, Ohio
The median home value in South Vienna is $162,100, close to the Clark County median.
The median home in South Vienna was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 72% of homes were built before 1960, about 28 points above Clark County's 45%.
In South Vienna, the housing stock is 78% single-family homes and 4% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In South Vienna, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 68% of occupied homes in South Vienna are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
84% of homes in South Vienna 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.
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 | $162,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)