Home Insurance in Ansonia, Ohio
The median home value in Ansonia is $118,900, 31% lower than the Darke County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Ansonia was built around 1959. About 51% of homes were built before 1960, about 5 points above Darke County's 47%.
In Ansonia, the housing stock is 78% single-family homes, 1% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Ansonia, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ansonia has an owner-occupancy rate of 70% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Ansonia, 56% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Ansonia? FEMA's National Risk Index points to tornado (Relatively Moderate) in Darke County and Darke County had 82 active NFIP flood policies as of September 2026. See the full Darke 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 | $118,900 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Darke County | 82 |
| 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)