Home Insurance in Scio, Ohio
With a median home value of $81,800, Scio is 33% lower than the Harrison County median.
The typical home in Scio was built around 1945. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 65% of homes were built before 1960, about 17 points above Harrison County's 48%.
Housing in Scio breaks down to 82% single-family homes, 12% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Scio, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Scio has an owner-occupancy rate of 52% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Scio - 74% - are primarily heated with natural gas.
What's the biggest home insurance risk near Scio? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Harrison County and 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.
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 | $81,800 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)