Home Insurance in Johnstown, Ohio
The median home value in Johnstown is $347,900, 26% higher than the Licking County median.
The typical home in Johnstown was built around 1994. About 22% of homes were built before 1960, about 4 points below Licking County's 26%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Johnstown is 69% single-family homes, 16% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Johnstown, about 80% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Johnstown has an owner-occupancy rate of 62% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Johnstown - 75% - 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 | $347,900 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)