Home Insurance in Rio Grande, Ohio
Homes in Rio Grande carry a median value of $186,800 - 20% higher than the Gallia County median.
The typical home in Rio Grande was built around 1986. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 18% of homes were built before 1960, about 3 points below Gallia County's 21%.
In Rio Grande, the housing stock is 36% single-family homes, 41% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Rio Grande, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 24% of occupied homes in Rio Grande are owner-occupied.
In Rio Grande, 55% 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.
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 | $186,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 24% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)