Home Insurance in Bexley, Ohio
Homes in Bexley carry a median value of $527,800 - 83% higher than the Franklin County median.
The typical home in Bexley was built around 1944. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 78% of homes were built before 1960, about 52 points above Franklin County's 25%.
In Bexley, the housing stock is 83% single-family homes and 14% apartments in buildings with 5+ units.
In Bexley, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bexley has an owner-occupancy rate of 80% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Bexley - 84% - are primarily heated with natural gas.
Franklin County had 1,478 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively High). See the full Franklin County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood 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 | $527,800 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Franklin County | 1,478 |
| 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)