Home Insurance in Morgan County, Ohio
The median home value in Morgan County is $150,900, 30% lower than the Ohio median.
The typical home in Morgan County was built around 1978. About 33% of homes were built before 1960, about 4 points below Ohio's 38%. 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 Morgan County is 76% single-family homes, 2% apartments in buildings with 5+ units and 19% mobile or manufactured homes.
In Morgan County, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 79% of occupied homes in Morgan County are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 34% of homes in Morgan County are primarily heated with natural gas.
FEMA's National Risk Index lists inland flooding (Relatively Low), hurricane (Very Low) and hail (Very Low) as the leading hazards for Morgan County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Morgan County has 48 active NFIP flood policies on file.
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 | $150,900 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Low), Hurricane (Very Low), Hail (Very Low) |
| Active NFIP flood policies (county) | 48 |
| 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)