Home Insurance in Bowerston, Ohio
The median home value in Bowerston is $75,000, 38% lower than the Harrison County median.
The typical home in Bowerston was built around 1953. About 64% of homes were built before 1960, about 16 points above Harrison County's 48%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Bowerston, the housing stock is 74% single-family homes, 12% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
30% of owner-occupied homes in Bowerston carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 59% of occupied homes in Bowerston are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Bowerston - 63% - are primarily heated with natural gas.
FEMA rates Harrison County's overall risk as Very Low, led by strong wind (Relatively Moderate). Harrison County had 29 active NFIP flood policies as of September 2026. See the full Harrison County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $75,000 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Harrison County | 29 |
| 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)