Home Insurance in Palestine, Ohio
The median home value in Palestine is $62,000, 64% lower than the Darke County median.
The typical home in Palestine was built around 1949. About 56% of homes were built before 1960, about 9 points above Darke County's 47%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Palestine breaks down to 88% single-family homes and 3% mobile or manufactured homes.
About 22% of owner-occupied homes in Palestine have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 69% of occupied homes in Palestine are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Palestine, 36% of homes are primarily heated with fuel oil.
Darke County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $62,000 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 22% |
| 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)