Home Insurance in Jefferson County, Ohio
Homes in Jefferson County carry a median value of $127,800 - 41% lower than the Ohio median.
The typical home in Jefferson County was built around 1958. About 53% of homes were built before 1960, about 15 points above Ohio's 38%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Jefferson County is 79% single-family homes, 8% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Jefferson County, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Jefferson County has an owner-occupancy rate of 71% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Jefferson County, 50% of homes are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Jefferson County, per FEMA's National Risk Index, are inland flooding (Relatively Moderate), hail (Relatively Moderate) and strong wind (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Jefferson County has 145 active NFIP flood policies on file.
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 | $127,800 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Hail (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 145 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
- Adena
- Amsterdam
- Bergholz
- Bloomingdale
- Dillonvale
- Empire
- Irondale
- Mingo Junction
- Mount Pleasant
- New Alexandria
- Rayland
- Richmond
- Steubenville
- Stratton
- Tiltonsville
- Toronto
- Wintersville
Sources
- 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)