Home Insurance in Marshallville, Ohio
Homes in Marshallville carry a median value of $172,300 - 22% lower than the Wayne County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Marshallville was built around 1975. About 28% of homes were built before 1960, about 3 points below Wayne County's 31%.
The housing stock in Marshallville is 76% single-family homes and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
50% of owner-occupied homes in Marshallville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in Marshallville are owner-occupied.
In Marshallville, 86% of homes are primarily heated with natural gas.
Wayne County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Wayne County had 154 active NFIP flood policies as of September 2026. See the full Wayne County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $172,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Wayne County | 154 |
| 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)