Home Insurance in New Concord, Ohio
The median home value in New Concord is $206,800, 14% higher than the Muskingum County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in New Concord was built around 1960. About 51% of homes were built before 1960, about 13 points above Muskingum County's 37%.
The housing stock in New Concord is 69% single-family homes and 17% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
65% of owner-occupied homes in New Concord carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
New Concord has an owner-occupancy rate of 48% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
60% of homes in New Concord are primarily heated with natural gas.
Muskingum County had 96 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). 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 | $206,800 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)