Home Insurance in St. Louisville, Ohio
With a median home value of $157,800, St. Louisville is 43% lower than the Licking County median.
The typical home in St. Louisville was built around 1964. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 32% of homes were built before 1960, about 6 points above Licking County's 26%.
The housing stock in St. Louisville is 98% single-family homes and 1% mobile or manufactured homes.
67% of owner-occupied homes in St. Louisville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in St. Louisville are owner-occupied.
Most homes in St. Louisville - 79% - 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.
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 | $157,800 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)