Home Insurance in Commercial Point, Ohio
Homes in Commercial Point carry a median value of $344,600 - 34% higher than the Pickaway County median.
The typical home in Commercial Point was built around 2006. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 8% of homes were built before 1960, about 21 points below Pickaway County's 29%.
The housing stock in Commercial Point is 90% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 75% of owner-occupied homes in Commercial Point have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 93% of occupied homes in Commercial Point are owner-occupied.
In Commercial Point, 75% of homes are primarily heated with natural gas.
Pickaway County's top FEMA-rated hazard is inland flooding (Relatively Low), per FEMA's National Risk Index. 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 | $344,600 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)