Home Insurance in Huntsville, Ohio
The median home value in Huntsville is $176,900, 13% lower than the Logan County median.
The typical home in Huntsville was built around 1954. About 58% of homes were built before 1960, about 20 points above Logan County's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Huntsville is 76% single-family homes, 3% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
65% of owner-occupied homes in Huntsville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Huntsville has an owner-occupancy rate of 56% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Huntsville - 75% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Huntsville? 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.
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 | $176,900 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)