Home Insurance in Adelphi, Ohio
The median home value in Adelphi is $164,300, close to the Ross County median.
The typical home in Adelphi was built around 1947. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 62% of homes were built before 1960, about 28 points above Ross County's 34%.
The housing stock in Adelphi is 81% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 53% of owner-occupied homes in Adelphi have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 55% of occupied homes in Adelphi are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Adelphi, 78% of homes are primarily heated with natural gas.
Ross County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Ross County had 111 active NFIP flood policies as of September 2026. See the full Ross County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $164,300 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Ross County | 111 |
| 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)