Home Insurance in Washington Court House, Ohio
With a median home value of $159,800, Washington Court House is 6% lower than the Fayette County median.
The typical home in Washington Court House was built around 1967. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 43% of homes were built before 1960, about 6 points above Fayette County's 37%.
The housing stock in Washington Court House is 69% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 65% of owner-occupied homes in Washington Court House have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 55% of occupied homes in Washington Court House are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Washington Court House, 60% of homes are primarily heated with natural gas.
FEMA rates Fayette County's overall risk as Very Low, led by earthquake (Very Low). 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 | $159,800 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)