Home Insurance in Holmesville, Ohio
Homes in Holmesville carry a median value of $159,700 - 40% lower than the Holmes County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Holmesville was built around 1945. About 68% of homes were built before 1960, about 43 points above Holmes County's 25%.
Housing in Holmesville breaks down to 93% single-family homes and 6% apartments in buildings with 5+ units.
In Holmesville, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Holmesville are owner-occupied.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 84% of homes in Holmesville are primarily heated with natural gas.
What's the biggest home insurance risk near Holmesville? FEMA's National Risk Index points to hail (Relatively Moderate) in Holmes County and Holmes County had 83 active NFIP flood policies as of September 2026. See the full Holmes 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 | $159,700 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Holmes County | 83 |
| 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)