Home Insurance in Monroe County, Ohio
Homes in Monroe County carry a median value of $142,700 - 34% 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 Monroe County was built around 1976. About 32% of homes were built before 1960, about 5 points below Ohio's 38%.
In Monroe County, the housing stock is 78% single-family homes, 3% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Monroe County, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Monroe County has an owner-occupancy rate of 80% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Monroe County - 53% - are primarily heated with natural gas.
FEMA's National Risk Index lists hurricane (Very Low), inland flooding (Relatively Low) and hail (Relatively Low) as the leading hazards for Monroe County.
Monroe County had 26 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.
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 | $142,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top hazards (FEMA National Risk Index) | Hurricane (Very Low), Inland Flooding (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 26 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Antioch
- Median home value: $87,000
- Median year built: 1939 or earlier
- Owner-occupied share: 81%
-
Woodsfield
- Median home value: $108,600
- Median year built: 1959
- Owner-occupied share: 56%
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)