Home Insurance in Adamsville, Ohio
With a median home value of $66,900, Adamsville is 63% lower than the Muskingum 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 Adamsville was built around 1984. About 38% of homes were built before 1960, in line with Muskingum County (37%).
In Adamsville, the housing stock is 81% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 85% of owner-occupied homes in Adamsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 85% of occupied homes in Adamsville are owner-occupied.
In Adamsville, 83% of homes are primarily heated with natural gas.
FEMA rates Muskingum County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Muskingum County had 96 active NFIP flood policies as of September 2026. See the full Muskingum County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood 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 | $66,900 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 85% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Muskingum County | 96 |
| 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)