Home Insurance in Cheshire, Ohio
Homes in Cheshire carry a median value of $97,500 - 37% lower than the Gallia County median.
The typical home in Cheshire was built around 1968. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 24% of homes were built before 1960, about 3 points above Gallia County's 21%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cheshire is 88% single-family homes and 12% mobile or manufactured homes.
40% of owner-occupied homes in Cheshire carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 60% of occupied homes in Cheshire are owner-occupied.
Most homes in Cheshire - 60% - are primarily heated with natural gas.
FEMA rates Gallia County's overall risk as Relatively Low, led by inland flooding (Relatively Low). 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 home value | $97,500 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)