Home Insurance in Darke County, Ohio
Homes in Darke County carry a median value of $173,200 - 19% lower than the Ohio median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Darke County was built around 1963. About 47% of homes were built before 1960, about 9 points above Ohio's 38%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Darke County is 83% single-family homes, 4% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 53% of owner-occupied homes in Darke County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Darke County are owner-occupied.
In Darke County, 38% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists tornado (Relatively Moderate), earthquake (Relatively Low) and strong wind (Relatively Moderate) as the leading hazards for Darke County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Darke County has 82 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $173,200 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Earthquake (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 82 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
- Ansonia
- Arcanum
- Castine
- Gettysburg
- Gordon
- Greenville
- Hollansburg
- Ithaca
- New Madison
- New Weston
- North Star
- Osgood
- Palestine
- Pitsburg
- Rossburg
- Union City
- Versailles
- Wayne Lakes
- Yorkshire
Sources
- 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)