Home Insurance in Marysville, Ohio
The median home value in Marysville is $300,800, 13% lower than the Union County median.
The typical home in Marysville was built around 1999. About 17% of homes were built before 1960, about 5 points below Union County's 21%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Marysville is 72% single-family homes, 13% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
In Marysville, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Marysville are owner-occupied.
Most homes in Marysville - 77% - are primarily heated with natural gas.
FEMA rates Union County's overall risk as Very Low, led by hail (Relatively Low). Union County had 65 active NFIP flood policies as of September 2026. See the full Union County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $300,800 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Union County | 65 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Nearby towns
- Milford Center
- Unionville Center
- Ostrander
- Plain City
- Woodstock
- Magnetic Springs
- North Lewisburg
- Shawnee Hills
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)