Home Insurance in Logan County, Ohio
With a median home value of $203,200, Logan County is 5% lower than the Ohio median.
The typical home in Logan County was built around 1973. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 38% of homes were built before 1960, in line with Ohio (38%).
In Logan County, the housing stock is 77% single-family homes, 5% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Logan County, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Logan County are owner-occupied.
In Logan County, 45% of homes are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hail (Relatively Moderate), winter weather (Relatively Moderate) and earthquake (Relatively Low) as the leading hazards for Logan County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Logan County has 250 active NFIP flood policies on file.
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 | $203,200 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Winter Weather (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 250 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
- Belle Center
- Bellefontaine
- De Graff
- Huntsville
- Lakeview
- Quincy
- Ridgeway
- Rushsylvania
- Russells Point
- Valley Hi
- West Liberty
- West Mansfield
- Zanesfield
Sources
- 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)