Home Insurance in Proctorville, Ohio
Homes in Proctorville carry a median value of $118,100 - 18% lower than the Lawrence County median.
The typical home in Proctorville was built around 1956. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 59% of homes were built before 1960, about 28 points above Lawrence County's 31%.
The housing stock in Proctorville is 55% single-family homes, 35% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Proctorville, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Proctorville has an owner-occupancy rate of 29% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Proctorville, 55% of homes are primarily heated with electricity.
FEMA rates Lawrence County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Lawrence County had 290 active NFIP flood policies as of September 2026. See the full Lawrence County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $118,100 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 29% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Lawrence County | 290 |
| 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)