Home Insurance in West Jefferson, Ohio
The median home value in West Jefferson is $192,100, 23% lower than the Madison County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in West Jefferson was built around 1967. About 36% of homes were built before 1960, about 4 points above Madison County's 32%.
In West Jefferson, the housing stock is 83% single-family homes and 6% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
69% of owner-occupied homes in West Jefferson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in West Jefferson are owner-occupied.
84% of homes in West Jefferson are primarily heated with natural gas.
Madison County had 38 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Very Low). See the full Madison County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $192,100 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Madison County | 38 |
| 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)