Home Insurance in Dexter City, Ohio
With a median home value of $88,300, Dexter City is 46% lower than the Noble County median.
The median home in Dexter City was built in 1939 or earlier. About 59% of homes were built before 1960, about 28 points above Noble County's 31%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Dexter City is 82% single-family homes and 11% mobile or manufactured homes.
In Dexter City, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Dexter City are owner-occupied.
Most homes in Dexter City - 85% - are primarily heated with natural gas.
What's the biggest home insurance risk near Dexter City? FEMA's National Risk Index points to hurricane (Very Low) in Noble County and Noble County had 55 active NFIP flood policies as of September 2026. See the full Noble County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $88,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)