Home Insurance in Thornville, Ohio
The median home value in Thornville is $247,800, 30% higher than the Perry County median.
The typical home in Thornville was built around 1976. About 37% of homes were built before 1960, about 2 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 Thornville, the housing stock is 89% single-family homes and 7% apartments in buildings with 5+ units.
About 81% of owner-occupied homes in Thornville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Thornville are owner-occupied.
79% of homes in Thornville 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 | $247,800 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 81% |
| 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)