Home Insurance in Pataskala, Ohio
With a median home value of $314,500, Pataskala is 14% higher than the Licking County median.
The typical home in Pataskala was built around 1998. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 12% of homes were built before 1960, about 14 points below Licking County's 26%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pataskala is 73% single-family homes, 14% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
In Pataskala, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pataskala has an owner-occupancy rate of 72% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Pataskala - 72% - are primarily heated with natural gas.
What's the biggest home insurance risk near Pataskala? FEMA's National Risk Index points to hail (Relatively High) in Licking County and 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.
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 | $314,500 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)