Home Insurance in West Rushville, Ohio
The median home value in West Rushville is $178,800, 40% lower than the Fairfield County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in West Rushville was built in 1939 or earlier. About 82% of homes were built before 1960, about 57 points above Fairfield County's 25%.
Housing in West Rushville breaks down to 92% single-family homes and 3% mobile or manufactured homes.
65% of owner-occupied homes in West Rushville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in West Rushville are owner-occupied.
In West Rushville, 92% of homes are primarily heated with natural gas.
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 | $178,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)