Home Insurance in Scioto County, Ohio
The median home value in Scioto County is $137,900, 36% lower than the Ohio median.
The typical home in Scioto County was built around 1968. About 42% of homes were built before 1960, about 4 points above Ohio's 38%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Scioto County is 73% single-family homes, 8% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Scioto County, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Scioto County has an owner-occupancy rate of 68% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Scioto County, 40% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Scioto County's top hazards are inland flooding (Relatively Moderate), strong wind (Relatively Moderate) and winter weather (Relatively Moderate).
Scioto County had 248 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $137,900 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Strong Wind (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 248 |
| 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)