Home Insurance in Upper Arlington, Ohio
With a median home value of $595,600, Upper Arlington is 107% higher than the Franklin County median.
The typical home in Upper Arlington was built around 1959. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 55% of homes were built before 1960, about 30 points above Franklin County's 25%.
In Upper Arlington, the housing stock is 83% single-family homes and 9% apartments in buildings with 5+ units.
About 69% of owner-occupied homes in Upper Arlington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Upper Arlington are owner-occupied.
Most homes in Upper Arlington - 81% - are primarily heated with natural gas.
Franklin County's top FEMA-rated hazard is inland flooding (Relatively High), per FEMA's National Risk Index. 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.
The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $595,600 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)