Home Insurance in Fredericktown, Ohio
The median home value in Fredericktown is $171,200, 28% lower than the Knox County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Fredericktown was built around 1960. About 50% of homes were built before 1960, about 12 points above Knox County's 38%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fredericktown is 71% single-family homes, 3% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Fredericktown, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Fredericktown are owner-occupied.
In Fredericktown, 69% of homes are primarily heated with natural gas.
FEMA rates Knox County's overall risk as Relatively Low, led by hail (Relatively Moderate). Knox County had 134 active NFIP flood policies as of September 2026. See the full Knox County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $171,200 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Knox County | 134 |
| 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)