Home Insurance in Roseville, Ohio
The median home value in Roseville is $94,400, 51% lower than the Perry County median.
The typical home in Roseville was built around 1954. About 54% of homes were built before 1960, about 18 points above Perry County's 35%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Roseville is 66% single-family homes, 9% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 54% of owner-occupied homes in Roseville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Roseville has an owner-occupancy rate of 58% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
72% of homes in Roseville are primarily heated with natural gas.
FEMA rates Perry County's overall risk as Very Low, led by hail (Relatively Low). 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.
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 | $94,400 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)