Home Insurance in South Bloomfield, Ohio
With a median home value of $219,000, South Bloomfield is 15% lower than the Pickaway County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in South Bloomfield was built around 2002. About 15% of homes were built before 1960, about 15 points below Pickaway County's 29%.
The housing stock in South Bloomfield is 72% single-family homes and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In South Bloomfield, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
South Bloomfield has an owner-occupancy rate of 84% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in South Bloomfield - 76% - 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 | $219,000 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)