Home Insurance in Hartford (Croton), Ohio
Homes in Hartford (Croton) carry a median value of $153,400 - 44% lower than the Licking County median.
The median home in Hartford (Croton) was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 73% of homes were built before 1960, about 47 points above Licking County's 26%.
Housing in Hartford (Croton) breaks down to 90% single-family homes and 2% mobile or manufactured homes.
76% of owner-occupied homes in Hartford (Croton) carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Hartford (Croton) are owner-occupied.
In Hartford (Croton), 57% of homes are primarily heated with natural gas.
Licking County had 475 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Licking County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $153,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)