Home Insurance in Frazeysburg, Ohio
With a median home value of $116,500, Frazeysburg is 36% lower than the Muskingum County median.
The typical home in Frazeysburg was built around 1972. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 44% of homes were built before 1960, about 6 points above Muskingum County's 37%.
In Frazeysburg, the housing stock is 57% single-family homes, 10% apartments in buildings with 5+ units and 19% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Frazeysburg, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Frazeysburg has an owner-occupancy rate of 42% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
71% of homes in Frazeysburg 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.
In Ohio, the statewide average premium for a standard HO-3 homeowners policy is $1,116 per year (NAIC, 2023 data).
Key figures
| Median home value | $116,500 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 42% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)