Home Insurance in Piketon, Ohio
The median home value in Piketon is $145,800, 11% lower than the Pike County median.
The typical home in Piketon was built around 1980. About 30% of homes were built before 1960, in line with Pike County (29%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Piketon is 49% single-family homes, 19% apartments in buildings with 5+ units and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 41% of owner-occupied homes in Piketon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 43% of occupied homes in Piketon are owner-occupied.
52% of homes in Piketon are primarily heated with electricity.
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 | $145,800 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)