Home Insurance in Pike County, Ohio
The median home value in Pike County is $163,800, 24% lower than the Ohio median.
The typical home in Pike County was built around 1980. About 29% of homes were built before 1960, about 8 points below Ohio's 38%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Pike County, the housing stock is 72% single-family homes, 5% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 47% of owner-occupied homes in Pike County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 68% of occupied homes in Pike County are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Pike County, 49% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists inland flooding (Relatively Low), strong wind (Relatively Low) and earthquake (Very Low) as the leading hazards for Pike County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Pike County has 97 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $163,800 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Low), Strong Wind (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 97 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)