Home Insurance in Logan, Ohio
Homes in Logan carry a median value of $159,600 - 14% lower than the Hocking County median.
The typical home in Logan was built around 1963. About 45% of homes were built before 1960, about 19 points above Hocking County's 26%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Logan, the housing stock is 74% single-family homes, 10% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
66% of owner-occupied homes in Logan carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Logan are owner-occupied.
In Logan, 65% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Logan? FEMA's National Risk Index points to inland flooding (Relatively Low) in Hocking County and Hocking County had 141 active NFIP flood policies as of September 2026. See the full Hocking 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 | $159,600 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Hocking County | 141 |
| 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)