Home Insurance in Riverlea, Ohio
The median home value in Riverlea is $572,500, 99% higher than the Franklin County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Riverlea was built around 1954. About 67% of homes were built before 1960, about 41 points above Franklin County's 25%.
The housing stock in Riverlea is 94% single-family homes.
76% of owner-occupied homes in Riverlea carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 91% of occupied homes in Riverlea are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Riverlea, 76% of homes 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 | $572,500 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)