Home Insurance in Belle Valley, Ohio
With a median home value of $74,600, Belle Valley is 54% lower than the Noble County median.
The typical home in Belle Valley was built around 1945. About 67% of homes were built before 1960, about 36 points above Noble County's 31%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Belle Valley is 91% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
15% of owner-occupied homes in Belle Valley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Belle Valley are owner-occupied.
Most homes in Belle Valley - 85% - are primarily heated with natural gas.
Noble County had 55 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very Low). See the full Noble 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 | $74,600 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Hurricane (Very Low) |
| Active NFIP policies in Noble County | 55 |
| 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)