Home Insurance in Kent, Ohio
With a median home value of $219,900, Kent is close to the Portage County median.
The typical home in Kent was built around 1972. About 31% of homes were built before 1960, about 5 points above Portage County's 26%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Kent, the housing stock is 46% single-family homes and 44% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Kent, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 41% of occupied homes in Kent are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
67% of homes in Kent are primarily heated with natural gas.
What's the biggest home insurance risk near Kent? FEMA's National Risk Index points to hail (Relatively Moderate) in Portage County and Portage County had 200 active NFIP flood policies as of September 2026. See the full Portage County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $219,900 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Portage County | 200 |
| 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)