Home Insurance in Mingo Junction, Ohio
The median home value in Mingo Junction is $104,000, 19% lower than the Jefferson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Mingo Junction was built around 1954. About 59% of homes were built before 1960, about 6 points above Jefferson County's 53%.
The housing stock in Mingo Junction is 83% single-family homes, 9% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Mingo Junction, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 69% of occupied homes in Mingo Junction are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Mingo Junction - 72% - are primarily heated with natural gas.
FEMA rates Jefferson County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Jefferson County had 145 active NFIP flood policies as of September 2026. See the full Jefferson County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $104,000 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Jefferson County | 145 |
| 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)