Home Insurance in Fairfield County, Ohio
The median home value in Fairfield County is $298,800, 39% higher than the Ohio median.
The typical home in Fairfield County was built around 1984. About 25% of homes were built before 1960, about 13 points below Ohio's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Fairfield County breaks down to 82% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Fairfield County, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 75% of occupied homes in Fairfield County are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Fairfield County, 60% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Fairfield County, per FEMA's National Risk Index, are hail (Relatively Moderate), inland flooding (Relatively Moderate) and winter weather (Relatively Moderate).
As of September 2026, Fairfield County has 449 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $298,800 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Inland Flooding (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 449 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
- Amanda
- Baltimore
- Bremen
- Carroll
- Lancaster
- Lithopolis
- Millersport
- Pickerington
- Pleasantville
- Rushville
- Stoutsville
- Sugar Grove
- Thurston
- West Rushville
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)