Home Insurance in Jacksonville, Ohio
With a median home value of $88,100, Jacksonville is 52% lower than the Athens County median.
The median home in Jacksonville was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 76% of homes were built before 1960, about 43 points above Athens County's 33%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jacksonville is 89% single-family homes and 11% mobile or manufactured homes.
About 46% of owner-occupied homes in Jacksonville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Jacksonville has an owner-occupancy rate of 85% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
In Jacksonville, 80% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Jacksonville? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Athens County and Athens County had 235 active NFIP flood policies as of September 2026. See the full Athens County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $88,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Athens County | 235 |
| 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)