Home Insurance in Sunbury, Ohio
With a median home value of $374,600, Sunbury is 16% lower than the Delaware County median.
The typical home in Sunbury was built around 2005. About 10% of homes were built before 1960, in line with Delaware County (10%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Sunbury breaks down to 74% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
81% of owner-occupied homes in Sunbury carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 73% of occupied homes in Sunbury are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Sunbury - 61% - are primarily heated with natural gas.
Delaware County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $374,600 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 81% |
| 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)