Home Insurance in Pleasant City, Ohio
Homes in Pleasant City carry a median value of $92,100 - 42% lower than the Guernsey County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Pleasant City was built around 1950. About 58% of homes were built before 1960, about 20 points above Guernsey County's 38%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pleasant City is 90% single-family homes and 6% mobile or manufactured homes.
In Pleasant City, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pleasant City has an owner-occupancy rate of 46% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Pleasant City, 84% of homes are primarily heated with natural gas.
FEMA rates Guernsey County's overall risk as Very Low, led by hail (Relatively Low). 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.
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 | $92,100 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)