Home Insurance in Darbyville, Ohio
Homes in Darbyville carry a median value of $134,100 - 48% lower than the Pickaway County median.
The typical home in Darbyville was built around 1958. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 53% of homes were built before 1960, about 24 points above Pickaway County's 29%.
The housing stock in Darbyville is 83% single-family homes and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
78% of owner-occupied homes in Darbyville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Darbyville has an owner-occupancy rate of 68% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Darbyville, 31% of homes are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Darbyville? 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 | $134,100 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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
- South Bloomfield
- Williamsport
- Commercial Point
- Harrisburg
- Ashville
- Mount Sterling
- Lockbourne
- Circleville
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)