Home Insurance in New Straitsville, Ohio
Homes in New Straitsville carry a median value of $68,100 - 64% lower than the Perry County median.
The typical home in New Straitsville was built around 1942. About 55% of homes were built before 1960, about 20 points above Perry County's 35%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In New Straitsville, the housing stock is 74% single-family homes, 18% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
51% of owner-occupied homes in New Straitsville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in New Straitsville are owner-occupied.
Most homes in New Straitsville - 51% - are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near New Straitsville? FEMA's National Risk Index points to hail (Relatively Low) in Perry County and Perry County had 107 active NFIP flood policies as of September 2026. See the full Perry County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Ohio, the statewide average premium for a standard HO-3 homeowners policy is $1,116 per year (NAIC, 2023 data).
Key figures
| Median home value | $68,100 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Perry County | 107 |
| 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)