Home Insurance in Hemlock, Ohio
With a median home value of $52,500, Hemlock is 73% lower than the Perry County median.
The typical home in Hemlock was built around 1950. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 76% of homes were built before 1960, about 40 points above Perry County's 35%.
The housing stock in Hemlock is 78% single-family homes and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 15% of owner-occupied homes in Hemlock have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 41% of occupied homes in Hemlock are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
82% of homes in Hemlock are primarily heated with natural gas.
FEMA rates Perry County's overall risk as Very Low, led by hail (Relatively Low). Perry County had 107 active NFIP flood policies as of September 2026. See the full Perry 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 | $52,500 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Perry County | 107 |
| 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)