Home Insurance in Gallia County, Ohio
With a median home value of $155,600, Gallia County is 28% lower than the Ohio median.
The typical home in Gallia County was built around 1981. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 21% of homes were built before 1960, about 17 points below Ohio's 38%.
The housing stock in Gallia County is 69% single-family homes, 4% apartments in buildings with 5+ units and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
39% of owner-occupied homes in Gallia County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Gallia County has an owner-occupancy rate of 75% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Gallia County, 50% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Gallia County's top hazards are inland flooding (Relatively Low), hurricane (Very Low) and winter weather (Relatively Low).
As of September 2026, Gallia County has 164 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $155,600 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Low), Hurricane (Very Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 164 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
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)