Home Insurance in Harrisburg, Ohio
Homes in Harrisburg carry a median value of $183,100 - 37% lower than the Franklin County median.
The median home in Harrisburg was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 88% of homes were built before 1960, about 63 points above Franklin County's 25%.
The housing stock in Harrisburg is 95% single-family homes.
49% of owner-occupied homes in Harrisburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Harrisburg has an owner-occupancy rate of 72% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Harrisburg - 65% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 | $183,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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
- Grove City
- Urbancrest
- Commercial Point
- Darbyville
- Mount Sterling
- Lockbourne
- South Bloomfield
- Valleyview
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)