Homeowners insurance cost in Ohio by county
Historical county budgeting benchmarks built from a statewide NAIC average, county median home values, and bounded FEMA risk adjustments—not carrier quotes.
Ohio overview
Across 88 published counties, the average modeled budget is $1,115/yr, with county estimates ranging from $454 to $2,448 per year.
Low confidence The baseline is the 2022 NAIC HO-3 state average of $995/yr. FEMA risk is a relative signal, not insurer underwriting.
Compare total monthly carrying costs in Ohio, including mortgage, tax, and insurance benchmarks.
Key county insurance pages in Ohio
Start with these larger or higher-budget county pages, then use the full table for the rest of the published Ohio launch wave.
- Delaware County: $2,448/yr modeled budget
- Warren County: $2,309/yr modeled budget
- Franklin County: $2,159/yr modeled budget
- Geauga County: $1,937/yr modeled budget
- Fairfield County: $1,908/yr modeled budget
- Butler County: $1,861/yr modeled budget
- Licking County: $1,832/yr modeled budget
- Hamilton County: $1,793/yr modeled budget
County insurance budgets
| County | Median home | FEMA risk percentile | Insurance budget |
|---|---|---|---|
| Adams County | $164,200 | 43.83 (Relatively Low) | $844/yr |
| Allen County | $165,300 | 73.35 (Relatively Low) | $1,061/yr |
| Ashland County | $186,800 | 46.34 (Relatively Low) | $980/yr |
| Ashtabula County | $159,500 | 62.6 (Relatively Low) | $949/yr |
| Athens County | $185,000 | 68.73 (Relatively Low) | $1,150/yr |
| Auglaize County | $189,800 | 41.76 (Very Low) | $958/yr |
| Belmont County | $154,900 | 75.19 (Relatively Low) | $1,006/yr |
| Brown County | $196,200 | 62.56 (Relatively Low) | $1,167/yr |
| Butler County | $258,500 | 91.48 (Relatively Moderate) | $1,861/yr |
| Carroll County | $183,100 | 19.94 (Very Low) | $752/yr |
| Champaign County | $204,000 | 26.75 (Very Low) | $898/yr |
| Clark County | $169,900 | 77.1 (Relatively Low) | $1,118/yr |
| Clermont County | $266,200 | 77.86 (Relatively Low) | $1,760/yr |
| Clinton County | $211,900 | 34 (Very Low) | $999/yr |
| Columbiana County | $151,600 | 69.05 (Relatively Low) | $944/yr |
| Coshocton County | $155,500 | 49.08 (Relatively Low) | $834/yr |
| Crawford County | $136,700 | 35.24 (Very Low) | $652/yr |
| Cuyahoga County | $195,400 | 98 (Relatively High) | $1,462/yr |
| Darke County | $173,200 | 52.67 (Relatively Low) | $956/yr |
| Defiance County | $163,200 | 41.89 (Very Low) | $825/yr |
| Delaware County | $445,500 | 78.75 (Relatively Low) | $2,448/yr |
| Erie County | $199,700 | 61.35 (Relatively Low) | $1,178/yr |
| Fairfield County | $298,800 | 72.61 (Relatively Low) | $1,908/yr |
| Fayette County | $170,700 | 25.89 (Very Low) | $745/yr |
| Franklin County | $288,400 | 98.06 (Relatively High) | $2,159/yr |
| Fulton County | $191,000 | 33.56 (Very Low) | $897/yr |
| Gallia County | $155,600 | 48.31 (Relatively Low) | $830/yr |
| Geauga County | $331,100 | 60.27 (Relatively Low) | $1,937/yr |
| Greene County | $252,200 | 75.67 (Relatively Low) | $1,643/yr |
| Guernsey County | $157,700 | 37.5 (Very Low) | $767/yr |
| Hamilton County | $241,900 | 96.34 (Relatively High) | $1,793/yr |
| Hancock County | $204,700 | 54.07 (Relatively Low) | $1,143/yr |
| Hardin County | $151,200 | 24.43 (Very Low) | $650/yr |
| Harrison County | $121,500 | 11.42 (Very Low) | $454/yr |
| Henry County | $168,600 | 33.81 (Very Low) | $793/yr |
| Highland County | $168,900 | 43.19 (Relatively Low) | $863/yr |
| Hocking County | $186,400 | 47.3 (Relatively Low) | $986/yr |
| Holmes County | $267,700 | 60.4 (Relatively Low) | $1,568/yr |
| Huron County | $166,000 | 50.29 (Relatively Low) | $900/yr |
| Jackson County | $150,700 | 35.75 (Very Low) | $722/yr |
| Jefferson County | $127,800 | 66.73 (Relatively Low) | $783/yr |
| Knox County | $239,400 | 61.04 (Relatively Low) | $1,409/yr |
| Lake County | $214,100 | 77.35 (Relatively Low) | $1,411/yr |
| Lawrence County | $144,000 | 70.99 (Relatively Low) | $909/yr |
| Licking County | $275,200 | 78.91 (Relatively Low) | $1,832/yr |
| Logan County | $203,200 | 53.21 (Relatively Low) | $1,127/yr |
| Lorain County | $223,200 | 86.26 (Relatively Moderate) | $1,557/yr |
| Lucas County | $163,900 | 92.4 (Relatively Moderate) | $1,187/yr |
| Madison County | $250,100 | 24.9 (Very Low) | $1,081/yr |
| Mahoning County | $154,700 | 83.62 (Relatively Moderate) | $1,061/yr |
| Marion County | $156,800 | 61.1 (Relatively Low) | $923/yr |
| Medina County | $287,000 | 68.96 (Relatively Low) | $1,787/yr |
| Meigs County | $119,300 | 52.96 (Relatively Low) | $660/yr |
| Mercer County | $210,600 | 31.65 (Very Low) | $971/yr |
| Miami County | $229,100 | 61.39 (Relatively Low) | $1,351/yr |
| Monroe County | $142,700 | 27.26 (Very Low) | $631/yr |
| Montgomery County | $180,900 | 92.65 (Relatively Moderate) | $1,312/yr |
| Morgan County | $150,900 | 18.23 (Very Low) | $608/yr |
| Morrow County | $222,300 | 24.4 (Very Low) | $956/yr |
| Muskingum County | $182,200 | 70.93 (Relatively Low) | $1,150/yr |
| Noble County | $163,600 | 13.45 (Very Low) | $626/yr |
| Ottawa County | $219,900 | 59.16 (Relatively Low) | $1,276/yr |
| Paulding County | $140,800 | 21.15 (Very Low) | $586/yr |
| Perry County | $191,100 | 25.99 (Very Low) | $835/yr |
| Pickaway County | $256,800 | 50.92 (Relatively Low) | $1,399/yr |
| Pike County | $163,800 | 43.13 (Relatively Low) | $837/yr |
| Portage County | $227,000 | 65.08 (Relatively Low) | $1,375/yr |
| Preble County | $180,900 | 43.29 (Relatively Low) | $925/yr |
| Putnam County | $201,100 | 32.86 (Very Low) | $938/yr |
| Richland County | $164,800 | 61.32 (Relatively Low) | $972/yr |
| Ross County | $171,500 | 62.88 (Relatively Low) | $1,023/yr |
| Sandusky County | $160,700 | 56.74 (Relatively Low) | $916/yr |
| Scioto County | $137,900 | 70.23 (Relatively Low) | $866/yr |
| Seneca County | $154,700 | 46.85 (Relatively Low) | $815/yr |
| Shelby County | $208,100 | 56.2 (Relatively Low) | $1,181/yr |
| Stark County | $186,400 | 87.95 (Relatively Moderate) | $1,314/yr |
| Summit County | $208,700 | 91.16 (Relatively Moderate) | $1,500/yr |
| Trumbull County | $141,800 | 84.48 (Relatively Moderate) | $978/yr |
| Tuscarawas County | $185,400 | 69.02 (Relatively Low) | $1,155/yr |
| Union County | $344,900 | 32.73 (Very Low) | $1,607/yr |
| Van Wert County | $152,000 | 20.1 (Very Low) | $625/yr |
| Vinton County | $150,000 | 11.8 (Very Low) | $563/yr |
| Warren County | $349,400 | 77.8 (Relatively Low) | $2,309/yr |
| Washington County | $185,600 | 64.41 (Relatively Low) | $1,119/yr |
| Wayne County | $222,100 | 64.85 (Relatively Low) | $1,343/yr |
| Williams County | $150,000 | 44.4 (Relatively Low) | $775/yr |
| Wood County | $227,600 | 65.68 (Relatively Low) | $1,385/yr |
| Wyandot County | $163,400 | 17.4 (Very Low) | $653/yr |
Sources and limitations
Data as of 2022-12-31; FEMA version 1.20; data version 2024.1.
Sources: NAIC Homeowners Insurance Report; FEMA National Risk Index; U.S. Census ACS county median home values.
Read the insurance and PITI methodology
Insurance disclaimer: Estimate for budgeting only — not an insurance quote and not a binding price. Verify with the county assessor and a licensed professional before making financial decisions.