Home Insurance in Rock Creek, Ohio
With a median home value of $136,900, Rock Creek is 14% lower than the Ashtabula County median.
The typical home in Rock Creek was built around 1973. About 41% of homes were built before 1960, about 7 points below Ashtabula County's 48%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Rock Creek breaks down to 70% single-family homes and 5% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
62% of owner-occupied homes in Rock Creek carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 52% of occupied homes in Rock Creek are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Rock Creek, 35% of homes are primarily heated with natural gas. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 | $136,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)