Buying a home in Licking County? Yes, you really should strongly consider a home inspection! I have investors who don't have inspections, but they buy a lot of homes, they know what to check and expect to make some major repairs.
If you're getting an FHA loan, your lender is very likely going to require termite/wood destroying insect inspection and a gas line inspection. If the property has a well and/or septic system, they will likely require these be inspected too. Here in Central Ohio, our contract is worded that the inspections are the buyers responsibility and at the buyers expense. You can write it into your offer asking the seller to pay for these at closing, but keep in mind if the property doesn't close for some reason these will become a buyer expense.
As for a whole house inspection, this is optional, but highly recommended!! With all of the bank owned foreclosure homes on the market in Licking County, there's no previous owner to ask important questions. A home inspector will check the plumbing, electric, heating, cooling, roof, appliances, and so much more. A typical home inspection takes several hours and results in a written report of 10 or more pages.
A home inspection is important for you, the buyer, so you know exactly what you're getting into. No house is perfect, so use your inspection report like a "To Do" list. If a major issue is discovered during your inspection, you have the option of asking the seller to correct the issue, or if you find the issue completely unacceptable, you may choose to back out of the deal.
My buyers are encouraged, but not required to have home inspections. However, I do have a form they are required to sign acknowledging that I suggested it!