Home Insurance in Killbuck, Ohio
With a median home value of $152,000, Killbuck is 43% lower than the Holmes County median.
The typical home in Killbuck was built around 1953. About 62% of homes were built before 1960, about 37 points above Holmes County's 25%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Killbuck is 88% single-family homes, 4% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Killbuck, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Killbuck has an owner-occupancy rate of 84% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
79% of homes in Killbuck are primarily heated with natural gas.
Holmes County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Holmes County had 83 active NFIP flood policies as of September 2026. See the full Holmes County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $152,000 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Holmes County | 83 |
| 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)