Home Insurance in North Hampton, Ohio
Homes in North Hampton carry a median value of $185,200 - 9% higher than the Clark County median.
The typical home in North Hampton was built around 1963. About 47% of homes were built before 1960, about 2 points above Clark County's 45%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In North Hampton, the housing stock is 99% single-family homes.
About 55% of owner-occupied homes in North Hampton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in North Hampton are owner-occupied.
Most homes in North Hampton - 87% - are primarily heated with natural gas.
What's the biggest home insurance risk near North Hampton? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Clark County and Clark County had 330 active NFIP flood policies as of September 2026. See the full Clark County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $185,200 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Clark County | 330 |
| 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)