Home Insurance in Middleport, Ohio
The median home value in Middleport is $87,700, 26% lower than the Meigs County median.
The typical home in Middleport was built around 1953. About 57% of homes were built before 1960, about 25 points above Meigs County's 32%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Middleport is 67% single-family homes, 16% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
About 42% of owner-occupied homes in Middleport have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Middleport has an owner-occupancy rate of 61% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
62% of homes in Middleport are primarily heated with natural gas.
What's the biggest home insurance risk near Middleport? FEMA's National Risk Index points to inland flooding (Relatively Low) in Meigs County and Meigs County had 120 active NFIP flood policies as of September 2026. See the full Meigs County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $87,700 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Meigs County | 120 |
| 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)