Home Insurance in Seville, Ohio
With a median home value of $214,300, Seville is 25% lower than the Medina County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Seville was built around 1979. About 24% of homes were built before 1960, about 5 points above Medina County's 20%.
Housing in Seville breaks down to 89% single-family homes and 6% apartments in buildings with 5+ units.
In Seville, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Seville has an owner-occupancy rate of 87% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Seville - 80% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Medina County's overall risk as Relatively Low, led by winter weather (Relatively High). Medina County had 260 active NFIP flood policies as of September 2026. See the full Medina 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 | $214,300 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Medina County | 260 |
| 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)