Home Insurance in Sarahsville, Ohio
With a median home value of $114,200, Sarahsville is 30% lower than the Noble County median.
The typical home in Sarahsville was built around 1942. About 64% of homes were built before 1960, about 32 points above Noble County's 31%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Sarahsville, the housing stock 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.
In Sarahsville, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 96% of occupied homes in Sarahsville are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Sarahsville - 84% - are primarily heated with natural gas.
FEMA rates Noble County's overall risk as Very Low, led by hurricane (Very Low). 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 | $114,200 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)