Home Insurance in Baltimore, Ohio
The median home value in Baltimore is $231,300, 23% lower than the Fairfield County median.
The typical home in Baltimore was built around 1964. About 46% of homes were built before 1960, about 21 points above Fairfield County's 25%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Baltimore breaks down to 65% single-family homes and 14% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 66% of owner-occupied homes in Baltimore have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Baltimore are owner-occupied.
In Baltimore, 57% of homes are primarily heated with natural gas.
Fairfield County had 449 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Fairfield 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 | $231,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)