Home Insurance in Ithaca, Ohio
With a median home value of $93,800, Ithaca is 46% lower than the Darke County median.
The typical home in Ithaca was built around 1946. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 56% of homes were built before 1960, about 9 points above Darke County's 47%.
Housing in Ithaca breaks down to 96% single-family homes.
In Ithaca, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ithaca has an owner-occupancy rate of 66% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
In Ithaca, 50% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Ithaca? 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.
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 | $93,800 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)