HomeInsuranceQts

Home Insurance in North Kingsville, Ohio

The median home value in North Kingsville is $170,900, 7% higher than the Ashtabula 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 North Kingsville was built around 1970. About 40% of homes were built before 1960, about 8 points below Ashtabula County's 48%.

Housing in North Kingsville breaks down to 97% single-family homes and 2% mobile or manufactured homes.

In North Kingsville, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in North Kingsville are owner-occupied.

80% of homes in North Kingsville are primarily heated with natural gas.

FEMA rates Ashtabula County's overall risk as Relatively Low, led by winter weather (Relatively High). Ashtabula County had 68 active NFIP flood policies as of September 2026. See the full Ashtabula County home insurance overview for all FEMA hazard ratings and flood coverage details.

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$170,900
Median year built1970
Owner-occupied share89%
Share of owner-occupied homes with a mortgage59%
Top county hazardWinter Weather (Relatively High)
Active NFIP policies in Ashtabula County68
Home insurance premium$1,116 - statewide average (NAIC, 2023 data)
Key home insurance figures for North Kingsville, OH

Nearby towns

Sources

Data last updated: 2026-09-29