Home Insurance in Wilkesville, Ohio
With a median home value of $70,400, Wilkesville is 53% lower than the Vinton County median.
The typical home in Wilkesville was built around 1957. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 60% of homes were built before 1960, about 36 points above Vinton County's 24%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wilkesville is 74% single-family homes and 26% mobile or manufactured homes.
About 51% of owner-occupied homes in Wilkesville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
All occupied homes in Wilkesville are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 55% of homes in Wilkesville are primarily heated with electricity.
Vinton County's top FEMA-rated hazard is inland flooding (Very Low), per FEMA's National Risk Index. Vinton County had 10 active NFIP flood policies as of September 2026. See the full Vinton County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $70,400 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Inland Flooding (Very Low) |
| Active NFIP policies in Vinton County | 10 |
| 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)