Home Insurance in Carroll, Ohio
With a median home value of $276,100, Carroll is 8% lower than the Fairfield County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Carroll was built around 1955. About 59% of homes were built before 1960, about 34 points above Fairfield County's 25%.
In Carroll, the housing stock is 87% single-family homes, 6% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
75% of owner-occupied homes in Carroll carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Carroll has an owner-occupancy rate of 68% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Carroll - 82% - 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 | $276,100 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)