Home Insurance in Beaver, Ohio
Homes in Beaver carry a median value of $165,800 - close to the Pike County median.
The typical home in Beaver was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 46% of homes were built before 1960, about 17 points above Pike County's 29%.
Housing in Beaver breaks down to 63% single-family homes, 33% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
62% of owner-occupied homes in Beaver carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 33% of occupied homes in Beaver are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Beaver - 78% - are primarily heated with natural gas.
Pike County's top FEMA-rated hazard is inland flooding (Relatively Low), per FEMA's National Risk Index. Pike County had 97 active NFIP flood policies as of September 2026. See the full Pike County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $165,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 33% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Pike County | 97 |
| 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)