Home Insurance in Gambier, Ohio
With a median home value of $309,400, Gambier is 29% higher than the Knox County median.
The typical home in Gambier was built around 1958. About 55% of homes were built before 1960, about 17 points above Knox County's 38%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Gambier breaks down to 71% single-family homes and 14% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
24% of owner-occupied homes in Gambier carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 68% of occupied homes in Gambier are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Gambier - 76% - are primarily heated with natural gas.
What's the biggest home insurance risk near Gambier? FEMA's National Risk Index points to hail (Relatively Moderate) in Knox County and 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 | $309,400 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 24% |
| 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)