Home Insurance in Quincy, Ohio
Homes in Quincy carry a median value of $95,000 - 53% lower than the Logan County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Quincy was built in 1939 or earlier. About 66% of homes were built before 1960, about 28 points above Logan County's 38%.
In Quincy, the housing stock is 82% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Quincy, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Quincy has an owner-occupancy rate of 71% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Quincy, 32% of homes are primarily heated with electricity. Homes heated with propane, fuel oil and 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 Quincy? 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.
The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $95,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)