Home Insurance in Kingston, Ohio
With a median home value of $157,200, Kingston is 8% lower than the Ross County median.
The typical home in Kingston was built around 1965. About 40% of homes were built before 1960, about 6 points above Ross County's 34%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kingston is 70% single-family homes, 10% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
In Kingston, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 55% of occupied homes in Kingston are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Kingston - 62% - are primarily heated with natural gas.
Ross County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Ross County had 111 active NFIP flood policies as of September 2026. See the full Ross 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 | $157,200 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Ross County | 111 |
| 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)