Home Insurance in Kirkersville, Ohio
Homes in Kirkersville carry a median value of $169,500 - 38% lower than the Licking County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Kirkersville was built around 1953. About 61% of homes were built before 1960, about 35 points above Licking County's 26%.
In Kirkersville, the housing stock is 91% single-family homes and 2% apartments in buildings with 5+ units.
About 71% of owner-occupied homes in Kirkersville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kirkersville has an owner-occupancy rate of 81% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Kirkersville, 69% of homes 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.
FEMA rates Licking County's overall risk as Relatively Low, led by hail (Relatively High). 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.
The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $169,500 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)