Home Insurance in Dillonvale, Ohio
Homes in Dillonvale carry a median value of $78,600 - 38% lower than the Jefferson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Dillonvale was built around 1943. About 82% of homes were built before 1960, about 29 points above Jefferson County's 53%.
Housing in Dillonvale breaks down to 89% single-family homes and 3% apartments in buildings with 5+ units.
About 29% of owner-occupied homes in Dillonvale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Dillonvale has an owner-occupancy rate of 63% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Dillonvale, 66% of homes are primarily heated with fuel oil.
Jefferson County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. 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 | $78,600 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)