Home Insurance in Tiltonsville, Ohio
Homes in Tiltonsville carry a median value of $106,300 - 17% lower than the Jefferson County median.
The typical home in Tiltonsville was built around 1947. About 80% of homes were built before 1960, about 27 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.
The housing stock in Tiltonsville is 78% single-family homes and 7% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Tiltonsville, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 63% of occupied homes in Tiltonsville are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
87% of homes in Tiltonsville are primarily heated with natural gas.
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 | $106,300 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)