Home Insurance in Belmore, Ohio
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Belmore was built around 1942. About 57% of homes were built before 1960, about 19 points above Putnam County's 37%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Belmore is 67% single-family homes, 2% apartments in buildings with 5+ units and 32% mobile or manufactured homes.
About 32% of owner-occupied homes in Belmore have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 79% of occupied homes in Belmore are owner-occupied. The vacancy rate is 53%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Belmore, 54% of homes are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Putnam County's overall risk as Very Low, led by hail (Relatively Low). Putnam County had 145 active NFIP flood policies as of September 2026. See the full Putnam County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Ohio, the statewide average premium for a standard HO-3 homeowners policy is $1,116 per year (NAIC, 2023 data).
Key figures
| Median year built | 1942 |
|---|---|
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Putnam County | 145 |
| 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)