Home Insurance in Jackson, Ohio
Homes in Jackson carry a median value of $153,600 - close to the Jackson County median.
The typical home in Jackson was built around 1959. About 51% of homes were built before 1960, about 20 points above Jackson County's 31%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Jackson, the housing stock is 72% single-family homes, 16% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Jackson, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 58% of occupied homes in Jackson are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Jackson, 59% of homes are primarily heated with natural gas.
FEMA rates Jackson County's overall risk as Very Low, led by inland flooding (Relatively Low). Jackson County had 71 active NFIP flood policies as of September 2026. See the full Jackson 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 | $153,600 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Jackson County | 71 |
| 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)