Home Insurance in East Palestine, Ohio
The median home value in East Palestine is $113,700, 25% lower than the Columbiana County median.
The typical home in East Palestine was built around 1952. About 59% of homes were built before 1960, about 14 points above Columbiana County's 45%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in East Palestine is 85% single-family homes, 6% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 57% of owner-occupied homes in East Palestine have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
East Palestine has an owner-occupancy rate of 68% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
87% of homes in East Palestine are primarily heated with natural gas.
FEMA rates Columbiana County's overall risk as Relatively Low, led by hail (Relatively Moderate). Columbiana County had 114 active NFIP flood policies as of September 2026. See the full Columbiana County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $113,700 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Columbiana County | 114 |
| 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)