Home Insurance in Rushville, Ohio
With a median home value of $182,500, Rushville is 39% 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 median home in Rushville was built in 1939 or earlier. About 80% of homes were built before 1960, about 54 points above Fairfield County's 25%.
In Rushville, the housing stock is 94% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
59% of owner-occupied homes in Rushville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 88% of occupied homes in Rushville are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
69% of homes in Rushville are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Fairfield County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $182,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)