HomeInsuranceQts

Home Insurance in Shiloh, Ohio

The median home value in Shiloh is $90,000, 45% lower than the Richland County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Shiloh was built in 1939 or earlier. About 69% of homes were built before 1960, about 27 points above Richland County's 43%.

In Shiloh, the housing stock is 92% single-family homes and 3% mobile or manufactured homes.

About 49% of owner-occupied homes in Shiloh have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Shiloh are owner-occupied.

In Shiloh, 77% 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.

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$90,000
Median year built1939 or earlier
Owner-occupied share81%
Share of owner-occupied homes with a mortgage49%
Top county hazardHail (Relatively Moderate)
Active NFIP policies in Richland County126
Home insurance premium$1,116 - statewide average (NAIC, 2023 data)
Key home insurance figures for Shiloh, OH

Nearby towns

Sources

Data last updated: 2026-09-29