Home Insurance in Clarksville, Ohio
The median home value in Clarksville is $158,800, 25% lower than the Clinton County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Clarksville was built around 1960. About 50% of homes were built before 1960, about 16 points above Clinton County's 34%.
The housing stock in Clarksville is 63% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
64% of owner-occupied homes in Clarksville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Clarksville has an owner-occupancy rate of 50% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
75% of homes in Clarksville are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Clinton County's overall risk as Very Low, led by earthquake (Relatively Low). Clinton County had 74 active NFIP flood policies as of September 2026. See the full Clinton County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake 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 | $158,800 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Clinton County | 74 |
| 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)