Home Insurance in Ashville, Ohio
With a median home value of $291,000, Ashville is 13% higher than the Pickaway County median.
The typical home in Ashville was built around 1983. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 36% of homes were built before 1960, about 7 points above Pickaway County's 29%.
The housing stock in Ashville is 65% single-family homes, 19% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Ashville, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 54% of occupied homes in Ashville are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Ashville, 86% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Ashville? FEMA's National Risk Index points to inland flooding (Relatively Low) in Pickaway County and Pickaway County had 85 active NFIP flood policies as of September 2026. See the full Pickaway County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $291,000 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Pickaway County | 85 |
| 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)