Home Insurance in Jackson Center, Ohio
The median home value in Jackson Center is $167,000, 20% lower than the Shelby County median.
The typical home in Jackson Center was built around 1979. About 26% of homes were built before 1960, about 8 points below Shelby County's 34%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Jackson Center is 69% single-family homes, 13% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Jackson Center, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 64% of occupied homes in Jackson Center are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Jackson Center, 65% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Jackson Center? FEMA's National Risk Index points to earthquake (Relatively Low) in Shelby County and Shelby County had 120 active NFIP flood policies as of September 2026. See the full Shelby County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $167,000 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Shelby County | 120 |
| 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)