Home Insurance in Granville, Ohio
With a median home value of $502,300, Granville is 83% higher than the Licking County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Granville was built around 1987. About 34% of homes were built before 1960, about 7 points above Licking County's 26%.
Housing in Granville breaks down to 80% single-family homes and 12% apartments in buildings with 5+ units.
About 60% of owner-occupied homes in Granville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Granville are owner-occupied.
In Granville, 81% of homes are primarily heated with natural gas.
Licking County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Licking County had 475 active NFIP flood policies as of September 2026. See the full Licking 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 | $502,300 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Licking County | 475 |
| 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)