Home Insurance in Bloomingdale, Ohio
The median home value in Bloomingdale is $99,600, 22% lower than the Jefferson County median.
The typical home in Bloomingdale was built around 1944. About 66% of homes were built before 1960, about 13 points above Jefferson County's 53%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Bloomingdale breaks down to 90% single-family homes and 4% apartments in buildings with 5+ units.
72% of owner-occupied homes in Bloomingdale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 92% of occupied homes in Bloomingdale are owner-occupied. The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Bloomingdale, 51% of homes are primarily heated with fuel oil.
FEMA rates Jefferson County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Jefferson County had 145 active NFIP flood policies as of September 2026. See the full Jefferson County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $99,600 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Jefferson County | 145 |
| 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)