Home Insurance in Jefferson, Ohio
The median home value in Jefferson is $200,300, 26% higher than the Ashtabula County median.
The typical home in Jefferson was built around 1969. About 43% of homes were built before 1960, about 4 points below Ashtabula County's 48%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Jefferson is 82% single-family homes, 9% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
48% of owner-occupied homes in Jefferson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 77% of occupied homes in Jefferson are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Jefferson, 84% of homes are primarily heated with natural gas.
Ashtabula County had 68 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Ashtabula 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 | $200,300 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Ashtabula County | 68 |
| 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)