Home Insurance in Meigs County, Ohio
With a median home value of $119,300, Meigs County is 44% lower than the Ohio median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Meigs County was built around 1978. About 32% of homes were built before 1960, about 6 points below Ohio's 38%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Meigs County is 68% single-family homes, 4% apartments in buildings with 5+ units and 26% mobile or manufactured homes.
38% of owner-occupied homes in Meigs County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Meigs County has an owner-occupancy rate of 75% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 49% of homes in Meigs County are primarily heated with electricity.
FEMA's National Risk Index lists inland flooding (Relatively Low), hurricane (Very Low) and earthquake (Very Low) as the leading hazards for Meigs County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Meigs County had 120 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $119,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Low), Hurricane (Very Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 120 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)