Home Insurance in Mount Pleasant, Ohio
The median home value in Mount Pleasant is $100,000, 22% lower than the Jefferson County median.
The median home in Mount Pleasant was built in 1939 or earlier. About 71% of homes were built before 1960, about 18 points above Jefferson County's 53%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Mount Pleasant, the housing stock is 94% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
32% of owner-occupied homes in Mount Pleasant carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mount Pleasant has an owner-occupancy rate of 91% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Mount Pleasant - 55% - are primarily heated with fuel oil.
What's the biggest home insurance risk near Mount Pleasant? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Jefferson County and 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.
The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $100,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)