Home Insurance in Bellefontaine, Ohio
The median home value in Bellefontaine is $180,500, 11% lower than the Logan County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bellefontaine was built around 1966. About 45% of homes were built before 1960, about 7 points above Logan County's 38%.
In Bellefontaine, the housing stock is 65% single-family homes, 11% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
72% of owner-occupied homes in Bellefontaine carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bellefontaine has an owner-occupancy rate of 57% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Bellefontaine, 65% of homes are primarily heated with natural gas.
FEMA rates Logan County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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.
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 | $180,500 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)