Home Insurance in Wellsville, Ohio
With a median home value of $78,600, Wellsville is 48% lower than the Columbiana County median.
The median home in Wellsville was built in 1939 or earlier. About 66% of homes were built before 1960, about 20 points above Columbiana County's 45%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Wellsville is 61% single-family homes, 6% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 52% of owner-occupied homes in Wellsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Wellsville has an owner-occupancy rate of 54% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
68% of homes in Wellsville are primarily heated with natural gas.
Columbiana County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $78,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)