Home Insurance in Amanda, Ohio
Homes in Amanda carry a median value of $168,400 - 44% lower than the Fairfield County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Amanda was built around 1952. About 69% of homes were built before 1960, about 44 points above Fairfield County's 25%.
The housing stock in Amanda is 93% single-family homes.
About 58% of owner-occupied homes in Amanda have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Amanda are owner-occupied.
89% of homes in Amanda are primarily heated with natural gas.
FEMA rates Fairfield County's overall risk as Relatively Low, led by hail (Relatively Moderate). Fairfield County had 449 active NFIP flood policies as of September 2026. See the full Fairfield 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 | $168,400 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Fairfield County | 449 |
| 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)