Home Insurance in Kenton, Ohio
The median home value in Kenton is $107,100, 29% lower than the Hardin County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Kenton was built around 1957. About 52% of homes were built before 1960, about 12 points above Hardin County's 41%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kenton is 74% single-family homes, 11% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
In Kenton, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Kenton are owner-occupied.
73% of homes in Kenton are primarily heated with natural gas.
FEMA rates Hardin County's overall risk as Very Low, led by hail (Relatively Low). Hardin County had 59 active NFIP flood policies as of September 2026. See the full Hardin 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 | $107,100 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Hardin County | 59 |
| 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)