HomeInsuranceQts

Home Insurance in Worthington, Ohio

With a median home value of $440,500, Worthington is 53% higher than the Franklin County median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Worthington was built around 1963. About 38% of homes were built before 1960, about 13 points above Franklin County's 25%.

In Worthington, the housing stock is 85% single-family homes and 9% apartments in buildings with 5+ units.

In Worthington, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Worthington has an owner-occupancy rate of 83% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.

In Worthington, 81% 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.

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$440,500
Median year built1963
Owner-occupied share83%
Share of owner-occupied homes with a mortgage62%
Top county hazardInland Flooding (Relatively High)
Active NFIP policies in Franklin County1,478
Home insurance premium$1,116 - statewide average (NAIC, 2023 data)
Key home insurance figures for Worthington, OH

Nearby towns

Sources

Data last updated: 2026-09-29