Home Insurance in Bellville, Ohio
With a median home value of $212,200, Bellville is 29% higher than the Richland County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bellville was built around 1966. About 44% of homes were built before 1960, in line with Richland County (43%).
In Bellville, the housing stock is 79% single-family homes and 10% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Bellville, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bellville has an owner-occupancy rate of 75% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Bellville, 73% of homes are primarily heated with natural gas.
FEMA rates Richland County's overall risk as Relatively Low, led by hail (Relatively Moderate). Richland County had 126 active NFIP flood policies as of September 2026. See the full Richland 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 home value | $212,200 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Richland County | 126 |
| 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)