Home Insurance in Bettsville, Ohio
With a median home value of $99,900, Bettsville is 35% lower than the Seneca County median.
The typical home in Bettsville was built around 1940. About 77% of homes were built before 1960, about 25 points above Seneca County's 51%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bettsville is 86% single-family homes and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
55% of owner-occupied homes in Bettsville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bettsville has an owner-occupancy rate of 80% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Bettsville - 79% - are primarily heated with natural gas.
Seneca County had 71 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Seneca County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $99,900 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Seneca County | 71 |
| 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)