Home Insurance in Jeffersonville, Ohio
With a median home value of $143,800, Jeffersonville is 16% lower than the Fayette County median.
The typical home in Jeffersonville was built around 1969. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 37% of homes were built before 1960, in line with Fayette County (37%).
The housing stock in Jeffersonville is 67% single-family homes, 15% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Jeffersonville, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 44% of occupied homes in Jeffersonville are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Jeffersonville, 50% 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.
The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $143,800 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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
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)