Home Insurance in Groveport, Ohio
The median home value in Groveport is $275,100, close to the Franklin County median.
The typical home in Groveport was built around 1990. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 30% of homes were built before 1960, about 5 points above Franklin County's 25%.
In Groveport, the housing stock is 77% single-family homes and 13% apartments in buildings with 5+ units.
77% of owner-occupied homes in Groveport carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 71% of occupied homes in Groveport are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Groveport, 87% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Groveport? FEMA's National Risk Index points to inland flooding (Relatively High) in Franklin County and Franklin County had 1,478 active NFIP flood policies as of September 2026. 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.
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 | $275,100 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)