Home Insurance in Cumberland, Ohio
The median home value in Cumberland is $82,800, 47% lower than the Guernsey County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Cumberland was built in 1939 or earlier. About 79% of homes were built before 1960, about 41 points above Guernsey County's 38%.
In Cumberland, the housing stock is 84% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 30% of owner-occupied homes in Cumberland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cumberland has an owner-occupancy rate of 86% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Cumberland - 73% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Guernsey County had 130 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Guernsey County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $82,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Guernsey County | 130 |
| 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)