Home Insurance in Delaware County, Ohio
With a median home value of $445,500, Delaware County is 107% higher than the Ohio median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Delaware County was built around 2000. About 10% of homes were built before 1960, about 27 points below Ohio's 38%.
Housing in Delaware County breaks down to 81% single-family homes, 12% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Delaware County, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Delaware County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Delaware County, 68% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Delaware County's top hazards are hail (Relatively Moderate), winter weather (Relatively High) and inland flooding (Relatively Moderate).
Delaware County had 219 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $445,500 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Winter Weather (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 219 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)