Home Insurance in Sabina, Ohio
With a median home value of $95,900, Sabina is 55% lower than the Clinton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Sabina was built around 1959. About 53% of homes were built before 1960, about 19 points above Clinton County's 34%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sabina is 74% single-family homes, 6% apartments in buildings with 5+ units and 16% mobile or manufactured homes.
About 49% of owner-occupied homes in Sabina have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Sabina are owner-occupied.
In Sabina, 64% of homes are primarily heated with natural gas.
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 | $95,900 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)