Home Insurance in Ross County, Ohio
The median home value in Ross County is $171,500, 20% lower than the Ohio median.
The typical home in Ross County was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 34% of homes were built before 1960, about 4 points below Ohio's 38%.
The housing stock in Ross County is 74% single-family homes, 7% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Ross County, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ross County has an owner-occupancy rate of 70% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
47% of homes in Ross County are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists inland flooding (Relatively Moderate), hail (Relatively Low) and winter weather (Relatively Low) as the leading hazards for Ross County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Ross County has 111 active NFIP flood policies on file.
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 | $171,500 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Hail (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 111 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)