Home Insurance in Pitsburg, Ohio
With a median home value of $161,800, Pitsburg is 7% lower than the Darke County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Pitsburg was built in 1939 or earlier. About 60% of homes were built before 1960, about 13 points above Darke County's 47%.
Housing in Pitsburg breaks down to 94% single-family homes.
In Pitsburg, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 81% of occupied homes in Pitsburg are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
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 Pitsburg, 49% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Pitsburg? 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.
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 | $161,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 81% |
| 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)