Home Insurance in Urbancrest, Ohio
With a median home value of $133,900, Urbancrest is 54% lower than the Franklin County median.
The typical home in Urbancrest was built around 1970. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 22% of homes were built before 1960, about 4 points below Franklin County's 25%.
Housing in Urbancrest breaks down to 33% single-family homes and 52% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
61% of owner-occupied homes in Urbancrest carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 15% of occupied homes in Urbancrest are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
75% of homes in Urbancrest are primarily heated with electricity.
Franklin County's top FEMA-rated hazard is inland flooding (Relatively High), per FEMA's National Risk Index. Franklin County had 1,478 active NFIP flood policies as of September 2026. See the full Franklin 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 | $133,900 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 15% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Franklin County | 1,478 |
| 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)