Home Insurance in Junction City, Ohio
The median home value in Junction City is $120,000, 37% lower than the Perry 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 Junction City was built around 1961. About 50% of homes were built before 1960, about 14 points above Perry County's 35%.
The housing stock in Junction City is 59% single-family homes, 8% apartments in buildings with 5+ units and 23% 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 Junction City, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Junction City has an owner-occupancy rate of 54% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Junction City - 58% - are primarily heated with natural gas.
Perry County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. 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 | $120,000 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)