Home Insurance in Chesterville, Ohio
Homes in Chesterville carry a median value of $167,900 - 24% lower than the Morrow County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Chesterville was built in 1939 or earlier. About 73% of homes were built before 1960, about 46 points above Morrow County's 28%.
In Chesterville, the housing stock is 92% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
50% of owner-occupied homes in Chesterville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 76% of occupied homes in Chesterville are owner-occupied. The vacancy rate is 5%; 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. In Chesterville, 30% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Chesterville? FEMA's National Risk Index points to hail (Relatively Low) in Morrow County and Morrow County had 29 active NFIP flood policies as of September 2026. See the full Morrow 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 | $167,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Morrow County | 29 |
| 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)