Home Insurance in Galena, Ohio
With a median home value of $467,000, Galena is close to the Delaware County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Galena was built around 2013. About 19% of homes were built before 1960, about 9 points above Delaware County's 10%.
Housing in Galena breaks down to 100% single-family homes.
In Galena, about 83% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 92% of occupied homes in Galena are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Galena, 73% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Galena? FEMA's National Risk Index points to hail (Relatively Moderate) in Delaware County and 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 | $467,000 |
|---|---|
| Median year built | 2013 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 83% |
| 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)