Home Insurance in McArthur, Ohio
The median home value in McArthur is $187,200, 25% higher than the Vinton County median.
The typical home in McArthur was built around 1969. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 34% of homes were built before 1960, about 9 points above Vinton County's 24%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in McArthur is 63% single-family homes, 14% apartments in buildings with 5+ units and 19% mobile or manufactured homes.
In McArthur, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
McArthur has an owner-occupancy rate of 46% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
47% of homes in McArthur are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near McArthur? FEMA's National Risk Index points to inland flooding (Very Low) in Vinton County and Vinton County had 10 active NFIP flood policies as of September 2026. See the full Vinton County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $187,200 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Inland Flooding (Very Low) |
| Active NFIP policies in Vinton County | 10 |
| 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)