Home insurance costs & natural hazards in Ohio
Plain facts for Ohio homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
Ohio at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in Ohio pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical Ohio ZIP code saw homeowners premiums of $1,239 per policy in 2022, 20% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 5% between 2018 and 2022. The figures come from 1,032 Ohio ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 17,072 single-family NFIP policies took effect in Ohio in 2025, at an average full cost of $1,064, compared with $977 in 2022. About 68% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of Ohio's 88 counties FEMA rates relatively high or very high for each hazard. The most widespread are ice storm, strong wind and winter weather. Open any county for its full hazard profile.
Hazards across Ohio's counties
Ohio counties
All 88 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Adams County | $1,391 | $1,308 | Relatively Low |
| Allen County | $1,296 | $918 | Relatively Low |
| Ashland County | $1,177 | $1,214 | Relatively Low |
| Ashtabula County | $1,216 | $1,145 | Relatively Low |
| Athens County | $1,163 | $1,430 | Relatively Low |
| Auglaize County | $1,127 | $934 | Very Low |
| Belmont County | $1,070 | $1,415 | Relatively Low |
| Brown County | $1,348 | $1,510 | Relatively Low |
| Butler County | $1,298 | $1,182 | Relatively Moderate |
| Carroll County | $1,139 | $1,294 | Very Low |
| Champaign County | $1,376 | $938 | Very Low |
| Clark County | $1,258 | $1,015 | Relatively Low |
| Clermont County | $1,265 | $1,370 | Relatively Low |
| Clinton County | $1,332 | $955 | Very Low |
| Columbiana County | $1,192 | $1,211 | Relatively Low |
| Coshocton County | $1,157 | $1,453 | Relatively Low |
| Crawford County | $1,146 | $1,180 | Very Low |
| Cuyahoga County | $1,255 | $873 | Relatively High |
| Darke County | $1,159 | $977 | Relatively Low |
| Defiance County | $1,243 | $1,569 | Very Low |
| Delaware County | $1,470 | $1,083 | Relatively Low |
| Erie County | $1,133 | $1,458 | Relatively Low |
| Fairfield County | $1,428 | $1,047 | Relatively Low |
| Fayette County | $1,302 | $1,010 | Very Low |
| Franklin County | $1,263 | $1,059 | Relatively High |
| Fulton County | $1,235 | $882 | Very Low |
| Gallia County | $1,313 | $1,143 | Relatively Low |
| Geauga County | $1,289 | $841 | Relatively Low |
| Greene County | $1,361 | $860 | Relatively Low |
| Guernsey County | $1,161 | $889 | Very Low |
| Hamilton County | $1,333 | $1,166 | Relatively High |
| Hancock County | $1,421 | $1,150 | Relatively Low |
| Hardin County | $1,282 | $1,040 | Very Low |
| Harrison County | $1,126 | $1,243 | Very Low |
| Henry County | $1,268 | $1,878 | Very Low |
| Highland County | $1,397 | — | Relatively Low |
| Hocking County | $1,347 | $1,566 | Relatively Low |
| Holmes County | $1,093 | $1,585 | Relatively Low |
| Huron County | $1,223 | $873 | Relatively Low |
| Jackson County | $1,293 | $1,018 | Very Low |
| Jefferson County | $1,109 | $1,614 | Relatively Low |
| Knox County | $1,254 | $1,500 | Relatively Low |
| Lake County | $1,061 | $1,248 | Relatively Low |
| Lawrence County | $1,298 | $1,156 | Relatively Low |
| Licking County | $1,311 | $1,059 | Relatively Low |
| Logan County | $1,355 | $970 | Relatively Low |
| Lorain County | $1,146 | $710 | Relatively Moderate |
| Lucas County | $1,297 | $940 | Relatively Moderate |
| Madison County | $1,409 | $899 | Very Low |
| Mahoning County | $1,206 | $672 | Relatively Moderate |
| Marion County | $1,351 | $1,033 | Relatively Low |
| Medina County | $1,228 | $767 | Relatively Low |
| Meigs County | $1,231 | $1,296 | Relatively Low |
| Mercer County | $1,108 | $858 | Very Low |
| Miami County | $1,259 | $897 | Relatively Low |
| Monroe County | $1,149 | $1,624 | Very Low |
| Montgomery County | $1,296 | $895 | Relatively Moderate |
| Morgan County | $1,163 | $1,777 | Very Low |
| Morrow County | $1,359 | $907 | Very Low |
| Muskingum County | $1,255 | $1,631 | Relatively Low |
| Noble County | $1,118 | $1,167 | Very Low |
| Ottawa County | $1,191 | $1,227 | Relatively Low |
| Paulding County | $1,263 | $1,080 | Very Low |
| Perry County | $1,277 | $964 | Very Low |
| Pickaway County | $1,372 | $1,214 | Relatively Low |
| Pike County | $1,357 | $1,715 | Relatively Low |
| Portage County | $1,200 | $843 | Relatively Low |
| Preble County | $1,241 | $1,072 | Relatively Low |
| Putnam County | $1,234 | $1,035 | Very Low |
| Richland County | $1,156 | $1,032 | Relatively Low |
| Ross County | $1,339 | $1,286 | Relatively Low |
| Sandusky County | $1,197 | $1,073 | Relatively Low |
| Scioto County | $1,375 | $1,001 | Relatively Low |
| Seneca County | $1,331 | $1,291 | Relatively Low |
| Shelby County | $1,256 | $1,226 | Relatively Low |
| Stark County | $1,110 | $921 | Relatively Moderate |
| Summit County | $1,147 | $775 | Relatively Moderate |
| Trumbull County | $1,145 | $954 | Relatively Moderate |
| Tuscarawas County | $1,098 | $935 | Relatively Low |
| Union County | $1,469 | $1,029 | Very Low |
| Van Wert County | $1,314 | $886 | Very Low |
| Vinton County | $1,341 | — | Very Low |
| Warren County | $1,387 | $1,109 | Relatively Low |
| Washington County | $1,174 | $1,372 | Relatively Low |
| Wayne County | $1,087 | $839 | Relatively Low |
| Williams County | $1,158 | $1,035 | Relatively Low |
| Wood County | $1,266 | $1,105 | Relatively Low |
| Wyandot County | $1,265 | $868 | Very Low |
ZIP codes with the most flood policies
Practical next steps
Simple things Ohio homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.