Home Insurance in Carlisle, Ohio
With a median home value of $207,100, Carlisle is 41% lower than the Warren County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Carlisle was built around 1978. About 11% of homes were built before 1960, about 3 points below Warren County's 14%.
The housing stock in Carlisle is 79% single-family homes and 19% apartments in buildings with 5+ units.
In Carlisle, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Carlisle are owner-occupied.
In Carlisle, 59% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Carlisle? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Warren County and Warren County had 482 active NFIP flood policies as of September 2026. See the full Warren 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 | $207,100 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Warren County | 482 |
| 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)