Home Insurance in Harrisville, Ohio
Homes in Harrisville carry a median value of $112,500 - 7% lower than the Harrison County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Harrisville was built around 1956. About 54% of homes were built before 1960, about 6 points above Harrison County's 48%.
In Harrisville, the housing stock is 87% 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 39% of owner-occupied homes in Harrisville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Harrisville has an owner-occupancy rate of 86% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Harrisville - 75% - are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Harrison County had 29 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). 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 | $112,500 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)