Home Insurance in Bloomingburg, Ohio
With a median home value of $109,600, Bloomingburg is 36% lower than the Fayette County median.
The typical home in Bloomingburg was built around 1977. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 33% of homes were built before 1960, about 5 points below Fayette County's 37%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bloomingburg is 85% single-family homes and 5% mobile or manufactured homes.
About 71% of owner-occupied homes in Bloomingburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bloomingburg has an owner-occupancy rate of 69% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Bloomingburg, 69% of homes are primarily heated with natural gas.
Fayette County's top FEMA-rated hazard is earthquake (Very Low), per FEMA's National Risk Index. Fayette County had 40 active NFIP flood policies as of September 2026. See the full Fayette County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $109,600 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Fayette County | 40 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Nearby towns
- Washington Court House
- New Holland
- Jeffersonville
- Midway
- Mount Sterling
- Milledgeville
- Octa
- South Solon
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)