Home Insurance in South Solon, Ohio
With a median home value of $102,300, South Solon is 59% lower than the Madison County median.
The median home in South Solon was built in 1939 or earlier. About 85% of homes were built before 1960, about 53 points above Madison County's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in South Solon is 94% single-family homes and 6% mobile or manufactured homes.
About 62% of owner-occupied homes in South Solon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in South Solon are owner-occupied.
Most homes in South Solon - 85% - are primarily heated with natural gas.
What's the biggest home insurance risk near South Solon? FEMA's National Risk Index points to earthquake (Very Low) in Madison County and Madison County had 38 active NFIP flood policies as of September 2026. See the full Madison County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $102,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Madison County | 38 |
| 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)