Home Insurance in Centerville (Thurman), Ohio
The typical home in Centerville (Thurman) was built around 1962. About 42% of homes were built before 1960, about 21 points above Gallia County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Centerville (Thurman) is 42% single-family homes and 58% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
Almost no owner-occupied homes in Centerville (Thurman) carry a mortgage.
Centerville (Thurman) has an owner-occupancy rate of 53% and a vacancy rate of 11%; 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 Centerville (Thurman), 47% of homes are primarily heated with electricity.
Gallia County's top FEMA-rated hazard is inland flooding (Relatively Low), per FEMA's National Risk Index. Gallia County had 164 active NFIP flood policies as of September 2026. See the full Gallia 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 year built | 1962 |
|---|---|
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Gallia County | 164 |
| 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)