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Homeowners, Flood, Wildfire & Earthquake Insurance in Pike County

Estimated premiums for all four major property insurance types, plus FEMA flood zone breakdowns for Pike County.

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Base Homeowners
$650/ year
See breakdown
Flood Policy
$400/ year
See breakdown
Wildfire Supplement
$1/ year
See breakdown
Earthquake Supplement
$7/ year
See breakdown
ℹ️

About These Estimates

These figures are estimates only, derived from publicly available data sources for Pike County and its constituent census tracts, and are not insurance quotes. Actual premiums depend on your specific property, coverage selections, insurer, claims history, and underwriting decisions. Always obtain quotes from a licensed insurance agent before making coverage decisions.

Homeowners Insurance & Risk

Estimates are annualized and based on the median home value of $195,417 in Pike County. Actual premiums will vary based on individual risk factors.

Homeowners (HO-3)
$650
/ year
≈ $54 / month
Calculated at $1.38 per $1,000 of home value + $381 base fee.
Nation: 26th PercentileState: 17th Percentile

Standard HO-3 policies typically exclude damage from earthquakes and may have restrictions regarding wildfires. Supplemental policies may be required.

Earthquake Supplement
$7
/ year
≈ $1 / month
Calculated at $0.04 per $1k value.
Nation: 31th PercentileState: 46th Percentile
Wildfire Supplement
$1
/ year
≈ $0 / month
Calculated at $0.00 per $1k value.
Nation: 27th PercentileState: 85th Percentile

Flood Risk & FEMA Zones

Layers:📍 County Boundary
📍 Pike County · FEMA Flood Zones · tiles.saferate.com© OpenStreetMap contributors

Flood Insurance Estimate

Estimated premiums under FEMA's NFIP Risk Rating 2.0 vary by property-specific flood exposure, elevation certificate, and coverage level.

Annual Premium
$400
/ year
≈ $33 / month
Calculated at $2.05 per $1,000 of home value.
Nation: 36th PercentileState: 80th Percentile

Frequently Asked Questions

How much is homeowners insurance in Pike County, OH?

The estimated annual homeowners insurance premium for a median-priced home ($195,417) in Pike County, OH is approximately $650/year ($54/month). This estimate is based on local HO-3 policy rates from Safe Rate's geographic insurance dataset.

Is flood insurance required in Pike County, OH?

Most of Pike County, OH falls outside FEMA's Special Flood Hazard Area. While flood insurance is not federally mandated for most properties here, it is available and often recommended for comprehensive coverage.

What FEMA flood zone is Pike County, OH in?

Detailed FEMA flood zone data for Pike County, OH is available on Safe Rate's insurance and flood risk page.

How much is flood insurance in Pike County, OH?

The estimated annual NFIP flood insurance premium for a median-priced home in Pike County, OH is approximately $400/year. Actual premiums under FEMA's Risk Rating 2.0 vary by property-specific flood exposure, elevation certificate, and coverage level.

Do I need earthquake insurance in Pike County, OH?

Standard homeowners insurance does not cover earthquake damage. For a median-priced home in Pike County, OH, an earthquake insurance supplement is estimated to cost approximately $7/year. The exact premium depends on the property's age, construction type, and soil conditions.

How much is wildfire insurance in Pike County, OH?

The estimated annual wildfire insurance supplement for a median-priced home in Pike County, OH is approximately $1/year. While basic fire damage is covered by standard HO-3 policies, homes in high-risk wildfire zones often require specialized or supplemental coverage (like the FAIR Plan) due to increased risk.

What is the flood risk in Pike County, OH?

Flood risk data and FEMA flood zone maps for Pike County, OH are available on Safe Rate to help you understand your property's exposure to flooding.