Home Insurance in Clarington, Ohio
Homes in Clarington carry a median value of $123,000 - 14% lower than the Monroe County median.
The typical home in Clarington was built around 1959. About 52% of homes were built before 1960, about 20 points above Monroe County's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Clarington is 75% single-family homes, 1% apartments in buildings with 5+ units and 17% mobile or manufactured homes.
47% of owner-occupied homes in Clarington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 81% of occupied homes in Clarington are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Clarington - 68% - are primarily heated with natural gas.
Monroe County had 26 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very Low). See the full Monroe County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $123,000 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hurricane (Very Low) |
| Active NFIP policies in Monroe County | 26 |
| 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)