Home Insurance in Mount Vernon, Ohio
With a median home value of $174,000, Mount Vernon is 27% lower than the Knox County median.
The typical home in Mount Vernon was built around 1955. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 57% of homes were built before 1960, about 19 points above Knox County's 38%.
The housing stock in Mount Vernon is 69% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Mount Vernon, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mount Vernon has an owner-occupancy rate of 55% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Mount Vernon - 77% - are primarily heated with natural gas.
Knox County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $174,000 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)