Home Insurance in Jerusalem, Ohio
Homes in Jerusalem carry a median value of $108,800 - 24% lower than the Monroe County median.
The typical home in Jerusalem was built around 1971. About 47% of homes were built before 1960, about 15 points above Monroe County's 32%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jerusalem is 81% single-family homes and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
13% of owner-occupied homes in Jerusalem carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Jerusalem are owner-occupied.
94% of homes in Jerusalem are primarily heated with natural gas.
FEMA rates Monroe County's overall risk as Very Low, led by hurricane (Very Low). Monroe County had 26 active NFIP flood policies as of September 2026. See the full Monroe 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 | $108,800 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 13% |
| Top county hazard | Hurricane (Very Low) |
| Active NFIP policies in Monroe County | 26 |
| 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)