Home Insurance in Zanesville, Ohio
The median home value in Zanesville is $123,700, 32% 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 Zanesville was built around 1950. About 60% of homes were built before 1960, about 22 points above Muskingum County's 37%.
The housing stock in Zanesville is 64% single-family homes, 19% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Zanesville, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Zanesville has an owner-occupancy rate of 44% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Zanesville - 63% - are primarily heated with natural gas.
What's the biggest home insurance risk near Zanesville? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Muskingum County and 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.
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 | $123,700 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)