Home Insurance in Ashley, Ohio
The median home value in Ashley is $153,400, 66% lower than the Delaware County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Ashley was built around 1960. About 50% of homes were built before 1960, about 40 points above Delaware County's 10%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ashley is 72% single-family homes, 3% apartments in buildings with 5+ units and 17% mobile or manufactured homes.
About 69% of owner-occupied homes in Ashley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 63% of occupied homes in Ashley are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Ashley, 60% of homes are primarily heated with natural gas.
FEMA rates Delaware County's overall risk as Relatively Low, led by hail (Relatively Moderate). Delaware County had 219 active NFIP flood policies as of September 2026. See the full Delaware 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 | $153,400 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Delaware County | 219 |
| 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)