Home Insurance in Hocking County, Ohio
Homes in Hocking County carry a median value of $186,400 - 13% lower than the Ohio median.
The typical home in Hocking County was built around 1981. About 26% of homes were built before 1960, about 11 points below Ohio's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Hocking County is 76% single-family homes, 4% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
55% of owner-occupied homes in Hocking County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Hocking County are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Hocking County, 39% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Hocking County's top hazards are inland flooding (Relatively Low), hail (Relatively Low) and winter weather (Relatively Low).
As of September 2026, Hocking County has 141 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $186,400 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Low), Hail (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 141 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)