Home Insurance in Belle Center, Ohio
The median home value in Belle Center is $151,700, 25% lower than the Logan County median.
The median home in Belle Center was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 79% of homes were built before 1960, about 41 points above Logan County's 38%.
In Belle Center, the housing stock is 97% single-family homes.
In Belle Center, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 70% of occupied homes in Belle Center are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
96% of homes in Belle Center are primarily heated with natural gas.
What's the biggest home insurance risk near Belle Center? FEMA's National Risk Index points to hail (Relatively Moderate) in Logan County and Logan County had 250 active NFIP flood policies as of September 2026. See the full Logan County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $151,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Logan County | 250 |
| 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)