Home Insurance in Old Washington, Ohio
Homes in Old Washington carry a median value of $131,300 - 17% lower than the Guernsey County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Old Washington was built around 1962. About 47% of homes were built before 1960, about 9 points above Guernsey County's 38%.
The housing stock in Old Washington is 79% single-family homes, 12% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Old Washington, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Old Washington has an owner-occupancy rate of 56% and a vacancy rate of 25%; 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. 48% of homes in Old Washington are primarily heated with natural gas.
What's the biggest home insurance risk near Old Washington? FEMA's National Risk Index points to hail (Relatively Low) in Guernsey County and Guernsey County had 130 active NFIP flood policies as of September 2026. See the full Guernsey County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $131,300 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)