Home Insurance in Shawnee Hills, Ohio
With a median home value of $460,500, Shawnee Hills is close to the Delaware County median.
The typical home in Shawnee Hills was built around 1989. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 24% of homes were built before 1960, about 14 points above Delaware County's 10%.
Housing in Shawnee Hills breaks down to 100% single-family homes.
72% of owner-occupied homes in Shawnee Hills carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Shawnee Hills has an owner-occupancy rate of 87% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Shawnee Hills - 77% - 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $460,500 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)