Home Insurance in Licking County, Ohio
The median home value in Licking County is $275,200, 28% higher than the Ohio median.
The typical home in Licking County was built around 1980. About 26% of homes were built before 1960, about 12 points below Ohio's 38%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Licking County is 79% single-family homes, 9% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 65% of owner-occupied homes in Licking County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Licking County are owner-occupied.
Most homes in Licking County - 65% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Licking County's top hazards are hail (Relatively High), winter weather (Relatively High) and strong wind (Relatively High).
Licking County had 475 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $275,200 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Winter Weather (Relatively High), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 475 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
- Alexandria
- Buckeye Lake
- Granville
- Gratiot
- Hanover
- Hartford (Croton)
- Heath
- Hebron
- Johnstown
- Kirkersville
- Newark
- Pataskala
- St. Louisville
- Utica
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)