Home Insurance in West Lafayette, Ohio
With a median home value of $101,900, West Lafayette is 34% lower than the Coshocton County median.
The typical home in West Lafayette was built around 1960. About 50% of homes were built before 1960, about 8 points above Coshocton County's 42%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In West Lafayette, the housing stock is 75% single-family homes, 4% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in West Lafayette carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
West Lafayette has an owner-occupancy rate of 74% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in West Lafayette - 67% - are primarily heated with natural gas.
What's the biggest home insurance risk near West Lafayette? FEMA's National Risk Index points to hail (Relatively Moderate) in Coshocton County and Coshocton County had 64 active NFIP flood policies as of September 2026. See the full Coshocton 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 | $101,900 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Coshocton County | 64 |
| 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)