Home Insurance in Portsmouth, Ohio
With a median home value of $103,300, Portsmouth is 25% lower than the Scioto County median.
The typical home in Portsmouth was built around 1946. About 69% of homes were built before 1960, about 27 points above Scioto County's 42%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Portsmouth is 71% single-family homes, 20% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Portsmouth, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 48% of occupied homes in Portsmouth are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Portsmouth, 68% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Portsmouth? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Scioto County and Scioto County had 248 active NFIP flood policies as of September 2026. See the full Scioto 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 | $103,300 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Scioto County | 248 |
| 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)