Home Insurance in Zaleski, Ohio
The median home in Zaleski was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 54% of homes were built before 1960, about 30 points above Vinton County's 24%.
The housing stock in Zaleski is 75% single-family homes and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 38% of owner-occupied homes in Zaleski have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 97% of occupied homes in Zaleski are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Zaleski - 63% - are primarily heated with electricity.
Vinton County's top FEMA-rated hazard is inland flooding (Very Low), per FEMA's National Risk Index. 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.
In Ohio, the statewide average premium for a standard HO-3 homeowners policy is $1,116 per year (NAIC, 2023 data).
Key figures
| Median year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)