Home Insurance in Versailles, Ohio
With a median home value of $208,200, Versailles is 20% higher than the Darke County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Versailles was built around 1960. About 51% of homes were built before 1960, about 4 points above Darke County's 47%.
The housing stock in Versailles is 78% single-family homes and 2% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 36% of owner-occupied homes in Versailles have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 72% of occupied homes in Versailles are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
74% of homes in Versailles are primarily heated with natural gas.
Darke County had 82 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). 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 | $208,200 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)