Home Insurance in Yorkshire, Ohio
The median home value in Yorkshire is $165,000, close to the Darke County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Yorkshire was built in 1939 or earlier. About 73% of homes were built before 1960, about 26 points above Darke County's 47%.
In Yorkshire, the housing stock is 95% single-family homes.
In Yorkshire, about 77% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
All occupied homes in Yorkshire are owner-occupied.
Most homes in Yorkshire - 68% - are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $165,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)