Home Insurance in Summerfield, Ohio
With a median home value of $85,700, Summerfield is 48% lower than the Noble County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Summerfield was built in 1939 or earlier. About 73% of homes were built before 1960, about 41 points above Noble County's 31%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Summerfield is 85% single-family homes and 11% mobile or manufactured homes.
About 42% of owner-occupied homes in Summerfield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Summerfield has an owner-occupancy rate of 80% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
89% of homes in Summerfield 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 | $85,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)