Home Insurance in Circleville, Ohio
The median home value in Circleville is $191,700, 25% lower than the Pickaway County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Circleville was built around 1964. About 45% of homes were built before 1960, about 16 points above Pickaway County's 29%.
In Circleville, the housing stock is 74% single-family homes, 9% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 52% of owner-occupied homes in Circleville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Circleville are owner-occupied.
Most homes in Circleville - 75% - are primarily heated with natural gas.
FEMA rates Pickaway County's overall risk as Relatively Low, led by inland flooding (Relatively Low). 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.
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 | $191,700 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)