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Best Homeowners Insurance in Ohio
Published on:
Content was accurate at the time of publication.
Erie is the best and cheapest homeowners insurance company in Ohio. Its rates average $104 a month and the company has higher customer service ratings than most other companies.
American Family, Cincinnati and State Farm are also good companies to contact for homeowners insurance quotes in Ohio.
Find the Cheapest Home Insurance Quotes in Ohio
Cheapest insurance companies in Ohio
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Cheapest homeowners insurance companies in Ohio
Erie offers the cheapest homeowners insurance quotes in Ohio, averaging $1,242 a year ($104 a month) for a typical home. That’s 44% less than the state average of $1,553 a year.
The next-cheapest home insurance quotes are available from USAA ($1,553 a year) and American Family ($1,579 a year). Note that USAA is only available to current and former military members and their families.
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Erie | $1,242 |  |
 | USAA* | $1,553 | |
 | American Family | $1,579 | |
 | Cincinnati | $1,633 | Not rated |
 | State Farm | $1,871 | |
 | Westfield | $2,047 | Not rated |
 | Grange | $2,277 | Not rated |
 | Allstate | $2,285 | |
 | Nationwide | $2,310 |  |
 | Farmers | $5,276 | |
Find the Cheapest Home Insurance Quotes in Ohio
Best homeowners insurance companies in Ohio
Erie, American Family and State Farm are the best large homeowners insurance companies in Ohio.
Meanwhile, Cincinnati is our pick for the best small company, and USAA is best for military families.
Ohio’s best homeowners insurance companies
| Company | Annual rate | Satisfaction score | Complaint rating |
|---|---|---|---|
| Best overall: Erie | $1,242 | 856 (Excellent) | 0.4 (Excellent) |
| Best discounts: American Family | $1,579 | 813 (Average) | 0.4 (Excellent) |
| Most popular: State Farm | $1,871 | 829 (Good) | 0.9 (Average) |
| Best small company: Cincinnati | $1,633 | Not rated | 0.1 (Excellent) |
| Best for military families: USAA* | $1,553 | 881 (Excellent) | 0.4 (Excellent) |
Satisfaction scores are based on J.D. Power’s 2023 U.S. Home Insurance Study. The segment average for home insurers is 819, and higher scores are better.
Complaint ratings track confirmed complaints (that lead to a finding of fault) reported to the National Association of Insurance Commissioners. A 2.0 complaint rating means twice as many complaints as expected for the company’s size, while a 0.5 rating means half as many.
Best overall homeowners insurance company in Ohio: Erie
Erie backs its low home insurance rates with strong customer service ratings and valuable policy features for Ohio homeowners.
Pros
Cheapest average homeowners insurance rate in Ohio
Higher customer satisfaction than most Ohio home insurers
Guaranteed replacement cost coverage at no charge (even if the cost of rebuilding exceeds your policy’s limit)
Higher customer satisfaction than most Ohio home insurers
Guaranteed replacement cost coverage at no charge (even if the cost of rebuilding exceeds your policy’s limit)
Cons
No instant quotes online — instead, Erie’s website refers you to local agents
Best home insurance discounts in Ohio: American Family
American Family’s rate is 28% less than the state average for home insurance. It also has an excellent complaint rating and offers unique additional ways to save.
Pros
Discount available for homes built less than 15 years ago
Discount available for replacing old plumbing, electrical or heating systems
Discount available if your parents are American Family customers and you’re under 30
Discount available for replacing old plumbing, electrical or heating systems
Discount available if your parents are American Family customers and you’re under 30
Cons
American Family’s satisfaction score is just average, although its complaint rating is excellent
Ohio’s most popular home insurance company: State Farm
State Farm is not the cheapest home insurance company in Ohio, but its 21% market share makes it the largest, or most popular. The next-largest company, Allstate, only has 11% market share.
Pros
Home insurance rates are 15% below the state average
Generous discounts available for bundling home and auto policies
Quotes available online
Agents available to provide personalized service
Generous discounts available for bundling home and auto policies
Quotes available online
Agents available to provide personalized service
Cons
State Farm’s complaint rating is just average, although it has a high satisfaction score
Ohio’s best small insurance company: Cincinnati
With just under 4% market share, Cincinnati is Ohio’s ninth-largest home insurer. However, its low rates and high customer service standards allow it to give larger companies a run for their money.
Pros
Homeowners insurance rates are 26% lower than the state average
Best complaint rating among the companies in our analysis
Coverage for both standard and high-value homes
Best complaint rating among the companies in our analysis
Coverage for both standard and high-value homes
Cons
Online insurance quotes not available.
Website provides only minimal details about coverage choices.
Website provides only minimal details about coverage choices.
Best for Ohio’s military families in Ohio: USAA
USAA’s rates are 30% lower than the state average, and also rewards its customers with valuable perks.
Pros
Replacement cost coverage is standard for your belongings
Discounts available for home security devices and services
Coverage for service equipment and uniforms included for active-duty military
Discounts available for home security devices and services
Coverage for service equipment and uniforms included for active-duty military
Cons
You end up speaking with a different representative each time you call in for assistance
Only available to military service members and their families
Only available to military service members and their families
How much is home insurance in Ohio?
The average cost of homeowners insurance in Ohio is $2,207 a year, or $184 a month.
The actual price you pay depends on factors such as:
- The amount of coverage you need
- Your location
- Your credit and insurance history
- Any discounts you may be eligible to receive
Each insurance company weighs these factors differently, and one company may offer you a much lower rate than the others do, so you should compare quotes from multiple companies when you shop.
Home insurance rates by coverage amounts
In Ohio, a policy that insures your home, or dwelling, for $450,000 costs 23% more than a $350,000 policy.
| Dwelling coverage | Annual cost |
|---|---|
| $350,000 | $1,973 |
| $400,000 | $2,207 |
| $450,000 | $2,418 |
For a new mortgage, lenders typically require you to insure your home at its replacement value — basically, the cost of rebuilding your home to its current specifications and quality grade.
You can choose a lower amount of dwelling coverage if you have a low loan balance or if you own your home outright. But this may leave you without enough money to rebuild after a disaster.
Most insurance companies use a computer program to calculate your home’s replacement value. Make sure the information it has about your home is accurate.
Ohio homeowners insurance rates by city
In Ohio’s largest cities, home insurance rates range from $1,878 a year in Cuyahoga Falls to $2,609 a year in Dayton.
The average cost of home insurance in Columbus is $2,165 a year, which is 2% less than the state average.
| City | Annual rate |
|---|---|
| Aberdeen | $2,699 |
| Ada | $2,383 |
| Adamsville | $2,199 |
| Addyston | $2,340 |
| Adelphi | $2,527 |
| Adena | $2,028 |
| Akron | $2,033 |
| Albany | $2,485 |
| Alexandria | $2,137 |
| Alger | $2,370 |
| Alledonia | $2,103 |
| Alliance | $2,034 |
| Alpha | $2,424 |
| Alvada | $2,375 |
| Alvordton | $2,138 |
| Amanda | $2,242 |
| Amberley | $2,217 |
| Amelia | $2,361 |
| Amesville | $2,389 |
| Amherst | $2,005 |
| Amlin | $2,039 |
| Amsterdam | $2,079 |
| Andersonville | $2,690 |
| Andover | $2,111 |
| Anna | $2,362 |
| Ansonia | $2,346 |
| Antwerp | $2,300 |
| Apple Creek | $1,938 |
| Apple Valley | $2,050 |
| Aquilla | $1,853 |
| Arcadia | $2,474 |
| Arcanum | $2,237 |
| Archbold | $2,349 |
| Arlington | $2,357 |
| Arlington Heights | $2,205 |
| Ashland | $2,086 |
| Ashley | $2,131 |
| Ashtabula | $1,989 |
| Ashville | $2,248 |
| Athens | $2,339 |
| Attica | $2,426 |
| Atwater | $2,001 |
| Aurora | $1,926 |
| Austinburg | $2,038 |
| Austintown | $2,038 |
| Ava | $2,148 |
| Avon | $1,837 |
| Avon Lake | $1,918 |
| Bainbridge | $2,141 |
| Bakersville | $2,156 |
| Ballville | $2,167 |
| Baltic | $2,009 |
| Baltimore | $2,156 |
| Bannock | $2,012 |
| Barberton | $2,019 |
| Barnesville | $2,136 |
| Bartlett | $2,254 |
| Barton | $2,057 |
| Bascom | $2,285 |
| Batavia | $2,220 |
| Bay View | $2,143 |
| Bay Village | $2,041 |
| Beach City | $1,953 |
| Beachwood | $2,004 |
| Beallsville | $2,075 |
| Beaver | $3,073 |
| Beavercreek | $2,374 |
| Beaverdam | $2,438 |
| Beckett Ridge | $2,262 |
| Bedford | $2,069 |
| Bedford Heights | $2,071 |
| Beechwood Trails | $2,117 |
| Bellaire | $1,985 |
| Bellbrook | $2,514 |
| Belle Center | $2,274 |
| Belle Valley | $2,175 |
| Bellefontaine | $2,294 |
| Bellevue | $2,092 |
| Bellville | $2,068 |
| Belmont | $1,962 |
| Belmore | $2,526 |
| Beloit | $2,071 |
| Belpre | $2,197 |
| Bentleyville | $1,946 |
| Benton Ridge | $2,445 |
| Bentonville | $2,719 |
| Berea | $1,959 |
| Bergholz | $2,027 |
| Berkey | $2,263 |
| Berlin Center | $2,052 |
| Berlin Heights | $2,097 |
| Bethel | $2,393 |
| Bethesda | $2,010 |
| Bettsville | $2,163 |
| Beverly | $2,248 |
| Bexley | $2,198 |
| Bidwell | $2,572 |
| Big Prairie | $2,067 |
| Birmingham | $2,099 |
| Blacklick | $2,097 |
| Blacklick Estates | $2,138 |
| Bladensburg | $2,151 |
| Blaine | $2,009 |
| Blakeslee | $2,201 |
| Blanchester | $2,326 |
| Blissfield | $2,163 |
| Bloomdale | $2,386 |
| Bloomingburg | $2,379 |
| Bloomingdale | $2,065 |
| Bloomville | $2,335 |
| Blue Ash | $2,233 |
| Blue Creek | $2,909 |
| Blue Rock | $2,188 |
| Bluffton | $2,364 |
| Boardman | $2,004 |
| Bolindale | $2,112 |
| Bolivar | $2,034 |
| Boston Heights | $1,950 |
| Botkins | $2,335 |
| Bourneville | $2,590 |
| Bowerston | $1,970 |
| Bowersville | $2,499 |
| Bowling Green | $2,241 |
| Bradford | $2,201 |
| Bradner | $2,376 |
| Brady Lake | $2,009 |
| Bratenahl | $2,332 |
| Brecksville | $1,997 |
| Bremen | $2,317 |
| Brewster | $1,961 |
| Brice | $2,060 |
| Bridgeport | $2,013 |
| Bridgetown | $2,276 |
| Brilliant | $2,080 |
| Brimfield | $1,935 |
| Brinkhaven | $2,103 |
| Bristolville | $2,083 |
| Broadview Heights | $1,947 |
| Broadway | $2,103 |
| Brook Park | $2,005 |
| Brookfield | $1,979 |
| Brookfield Center | $1,983 |
| Brooklyn | $2,032 |
| Brooklyn Heights | $1,974 |
| Brookpark | $2,012 |
| Brookside | $2,012 |
| Brookville | $2,462 |
| Brownsville | $2,001 |
| Brunswick | $1,890 |
| Bryan | $2,259 |
| Buchtel | $2,273 |
| Buckeye Lake | $2,089 |
| Buckland | $2,375 |
| Bucyrus | $2,144 |
| Burbank | $1,920 |
| Burghill | $2,039 |
| Burgoon | $2,328 |
| Burkettsville | $2,292 |
| Burlington | $2,669 |
| Burton | $1,839 |
| Butler | $2,032 |
| Byesville | $2,140 |
| Cable | $2,384 |
| Cadiz | $2,101 |
| Cairo | $2,444 |
| Calcutta | $2,025 |
| Caldwell | $2,165 |
| Caledonia | $2,196 |
| Cambridge | $2,108 |
| Camden | $2,704 |
| Cameron | $2,164 |
| Camp Dennison | $2,179 |
| Campbell | $1,993 |
| Canal Fulton | $1,887 |
| Canal Winchester | $2,132 |
| Candlewood Lake | $2,233 |
| Canfield | $1,990 |
| Canton | $2,018 |
| Carbon Hill | $2,351 |
| Carbondale | $2,272 |
| Cardington | $2,221 |
| Carey | $2,237 |
| Carlisle | $2,581 |
| Carroll | $2,198 |
| Carrollton | $2,056 |
| Casstown | $2,285 |
| Castalia | $2,186 |
| Catawba | $2,220 |
| Cecil | $2,367 |
| Cedarville | $2,439 |
| Celina | $2,300 |
| Centerburg | $2,170 |
| Centerville | $2,401 |
| Chagrin Falls | $1,882 |
| Champion Heights | $2,048 |
| Chandlersville | $2,193 |
| Chardon | $1,848 |
| Charm | $1,985 |
| Chauncey | $2,419 |
| Cherry Fork | $2,845 |
| Cherry Grove | $2,152 |
| Chesapeake | $2,626 |
| Cheshire | $2,464 |
| Chesterhill | $2,232 |
| Chesterland | $1,929 |
| Chesterville | $2,241 |
| Cheviot | $2,241 |
| Chickasaw | $2,390 |
| Chillicothe | $2,663 |
| Chilo | $2,370 |
| Chippewa Lake | $1,937 |
| Chippewa Park | $2,302 |
| Choctaw Lake | $2,271 |
| Christiansburg | $2,242 |
| Churchill | $2,032 |
| Cincinnati | $2,230 |
| Cinnamon Lake | $2,057 |
| Circleville | $2,374 |
| Clarington | $2,242 |
| Clarksburg | $2,739 |
| Clarksville | $2,486 |
| Clay Center | $2,345 |
| Clayton | $2,390 |
| Cleveland | $2,211 |
| Cleveland Heights | $2,172 |
| Cleves | $2,328 |
| Clifton | $2,381 |
| Clinton | $1,968 |
| Cloverdale | $2,413 |
| Clyde | $2,291 |
| Coal Grove | $2,592 |
| Coal Run | $2,147 |
| Coalton | $2,570 |
| Coldstream | $2,156 |
| Coldwater | $2,340 |
| College Corner | $2,547 |
| Collins | $2,204 |
| Collinsville | $2,545 |
| Colton | $2,451 |
| Columbia Station | $1,932 |
| Columbiana | $1,986 |
| Columbus | $2,165 |
| Columbus Grove | $2,431 |
| Commercial Point | $2,259 |
| Conesville | $2,143 |
| Conneaut | $1,978 |
| Conover | $2,163 |
| Continental | $2,458 |
| Convoy | $2,568 |
| Coolville | $2,427 |
| Corning | $2,424 |
| Cortland | $2,071 |
| Coshocton | $2,043 |
| Covedale | $2,212 |
| Covington | $2,160 |
| Craig Beach | $2,058 |
| Creola | $2,523 |
| Crestline | $2,169 |
| Creston | $1,938 |
| Cridersville | $2,316 |
| Crooksville | $2,410 |
| Croton | $2,163 |
| Crown City | $2,753 |
| Crystal Lakes | $2,196 |
| Cuba | $2,455 |
| Cumberland | $2,175 |
| Curtice | $2,475 |
| Custar | $2,274 |
| Cutler | $2,270 |
| Cuyahoga Falls | $1,878 |
| Cuyahoga Heights | $2,075 |
| Cygnet | $2,420 |
| Cynthiana | $2,600 |
| Dalton | $2,042 |
| Danville | $2,082 |
| Darbydale | $2,086 |
| Day Heights | $2,240 |
| Dayton | $2,609 |
| De Graff | $2,285 |
| Deer Park | $2,237 |
| Deerfield | $1,941 |
| Deersville | $2,115 |
| Defiance | $2,314 |
| Delaware | $2,039 |
| Delhi Hills | $2,206 |
| Dellroy | $2,195 |
| Delphos | $2,423 |
| Delshire | $2,210 |
| Delta | $2,446 |
| Dennison | $2,037 |
| Dent | $2,303 |
| Derby | $2,208 |
| Derwent | $2,163 |
| Deshler | $2,354 |
| Devola | $2,189 |
| Dexter City | $2,171 |
| Diamond | $1,981 |
| Dillonvale | $2,190 |
| Dola | $2,310 |
| Donnelsville | $2,254 |
| Dorset | $2,104 |
| Dover | $2,129 |
| Doylestown | $1,923 |
| Dresden | $2,221 |
| Drexel | $2,767 |
| Dry Ridge | $2,247 |
| Dry Run | $2,181 |
| Dublin | $1,955 |
| Dunbridge | $2,364 |
| Duncan Falls | $2,088 |
| Dundee | $2,052 |
| Dunkirk | $2,344 |
| Dunlap | $2,260 |
| Dupont | $2,523 |
| East Canton | $1,944 |
| East Claridon | $1,890 |
| East Cleveland | $2,313 |
| East Fultonham | $2,151 |
| East Liberty | $2,203 |
| East Liverpool | $2,019 |
| East Palestine | $2,002 |
| East Rochester | $1,975 |
| East Sparta | $2,035 |
| East Springfield | $2,081 |
| Eastlake | $1,893 |
| Eaton | $2,460 |
| Eaton Estates | $2,012 |
| Edgerton | $2,283 |
| Edgewood | $1,999 |
| Edison | $2,219 |
| Edon | $2,258 |
| Eldorado | $2,504 |
| Elgin | $2,565 |
| Elida | $2,377 |
| Elkton | $2,066 |
| Elmore | $2,337 |
| Elmwood Place | $2,228 |
| Elyria | $2,032 |
| Empire | $2,049 |
| Englewood | $2,431 |
| Enon | $2,244 |
| Euclid | $2,171 |
| Evansport | $2,260 |
| Evendale | $2,189 |
| Fairborn | $2,198 |
| Fairfax | $2,154 |
| Fairfield | $2,427 |
| Fairfield Beach | $2,182 |
| Fairlawn | $1,894 |
| Fairpoint | $2,008 |
| Fairport Harbor | $1,843 |
| Fairview | $2,183 |
| Fairview Park | $2,027 |
| Farmdale | $2,158 |
| Farmersville | $2,499 |
| Fayette | $2,358 |
| Fayetteville | $2,536 |
| Feesburg | $2,597 |
| Felicity | $2,457 |
| Findlay | $2,337 |
| Finneytown | $2,291 |
| Five Points | $2,371 |
| Flat Rock | $2,280 |
| Fleming | $2,308 |
| Fletcher | $2,149 |
| Flushing | $2,039 |
| Forest | $2,347 |
| Forest Park | $2,377 |
| Forestville | $2,150 |
| Fort Jennings | $2,365 |
| Fort Loramie | $2,291 |
| Fort Recovery | $2,427 |
| Fort Shawnee | $2,375 |
| Fostoria | $2,267 |
| Four Bridges | $2,419 |
| Fowler | $2,151 |
| Frankfort | $2,682 |
| Franklin | $2,575 |
| Franklin Furnace | $2,889 |
| Frazeysburg | $2,247 |
| Fredericksburg | $2,095 |
| Fredericktown | $2,126 |
| Freeport | $2,247 |
| Fremont | $2,160 |
| Fresno | $2,119 |
| Friendship | $2,830 |
| Fruit Hill | $2,119 |
| Fulton | $2,181 |
| Fultonham | $2,209 |
| Gahanna | $2,057 |
| Galena | $2,009 |
| Galion | $2,177 |
| Gallipolis | $2,635 |
| Galloway | $2,078 |
| Gambier | $2,161 |
| Garfield Heights | $2,071 |
| Garrettsville | $1,959 |
| Gates Mills | $1,987 |
| Geneva | $2,012 |
| Geneva-on-the-Lake | $2,013 |
| Genoa | $2,287 |
| Georgetown | $2,666 |
| Germantown | $2,492 |
| Gettysburg | $2,241 |
| Gibsonburg | $2,316 |
| Girard | $2,013 |
| Glandorf | $2,441 |
| Glencoe | $2,066 |
| Glendale | $2,210 |
| Glenford | $2,222 |
| Glenmont | $2,046 |
| Glenmoor | $2,029 |
| Glenwillow | $1,959 |
| Gloria Glens Park | $1,932 |
| Glouster | $2,376 |
| Gnadenhutten | $2,103 |
| Golf Manor | $2,194 |
| Gomer | $2,523 |
| Goshen | $2,414 |
| Grafton | $2,010 |
| Grand Rapids | $2,257 |
| Grand River | $1,914 |
| Grandview | $2,339 |
| Grandview Heights | $2,047 |
| Granville | $2,047 |
| Granville South | $2,047 |
| Gratiot | $2,122 |
| Graysville | $2,249 |
| Graytown | $2,307 |
| Green | $1,924 |
| Green Meadows | $2,240 |
| Green Springs | $2,274 |
| Greenfield | $2,747 |
| Greenford | $2,048 |
| Greenhills | $2,324 |
| Greentown | $1,865 |
| Greenville | $2,359 |
| Greenwich | $2,197 |
| Grelton | $2,398 |
| Groesbeck | $2,302 |
| Grove City | $2,077 |
| Groveport | $2,089 |
| Grover Hill | $2,432 |
| Guysville | $2,454 |
| Gypsum | $2,307 |
| Hallsville | $2,495 |
| Hamden | $2,577 |
| Hamersville | $2,667 |
| Hamilton | $2,465 |
| Hamler | $2,479 |
| Hammondsville | $2,034 |
| Hannibal | $2,219 |
| Hanover | $2,063 |
| Hanoverton | $2,153 |
| Harbor Hills | $2,187 |
| Harbor View | $2,271 |
| Harpster | $2,195 |
| Harrisburg | $2,066 |
| Harrison | $2,231 |
| Harrod | $2,373 |
| Hartville | $2,003 |
| Harveysburg | $2,212 |
| Haskins | $2,257 |
| Haverhill | $2,700 |
| Haviland | $2,371 |
| Haydenville | $2,339 |
| Hayesville | $2,086 |
| Heath | $2,034 |
| Hebron | $2,097 |
| Helena | $2,325 |
| Hicksville | $2,373 |
| Higginsport | $2,350 |
| Highland Heights | $2,110 |
| Highland Hills | $2,018 |
| Highpoint | $2,159 |
| Hilliard | $1,968 |
| Hillsboro | $2,599 |
| Hinckley | $1,940 |
| Hiram | $1,929 |
| Hockingport | $2,299 |
| Holgate | $2,462 |
| Holiday Valley | $2,188 |
| Holland | $2,267 |
| Hollansburg | $2,318 |
| Holloway | $2,037 |
| Holmesville | $2,078 |
| Homerville | $2,011 |
| Homeworth | $2,037 |
| Hooven | $2,408 |
| Hopedale | $2,105 |
| Hopewell | $2,282 |
| Houston | $2,358 |
| Howard | $2,063 |
| Howland Center | $2,107 |
| Hoytville | $2,353 |
| Hubbard | $2,091 |
| Huber Heights | $2,389 |
| Huber Ridge | $2,006 |
| Hudson | $1,951 |
| Hunter | $2,580 |
| Hunting Valley | $1,934 |
| Huntsburg | $1,864 |
| Huntsville | $2,312 |
| Huron | $2,065 |
| Iberia | $2,268 |
| Independence | $1,965 |
| Irondale | $2,083 |
| Ironton | $2,590 |
| Irwin | $2,109 |
| Isle St. George | $2,373 |
| Jackson | $2,885 |
| Jackson Center | $2,324 |
| Jacksontown | $2,106 |
| Jacksonville | $2,376 |
| Jacobsburg | $2,035 |
| Jamestown | $2,402 |
| Jefferson | $2,074 |
| Jeffersonville | $2,435 |
| Jenera | $2,378 |
| Jeromesville | $2,099 |
| Jerry City | $2,330 |
| Jerusalem | $2,148 |
| Jewell | $2,279 |
| Jewett | $2,160 |
| Johnstown | $2,153 |
| Junction City | $2,321 |
| Kalida | $2,468 |
| Kansas | $2,237 |
| Keene | $2,179 |
| Kelleys Island | $2,126 |
| Kensington | $2,074 |
| Kent | $1,935 |
| Kenton | $2,313 |
| Kenwood | $2,228 |
| Kerr | $2,607 |
| Kettering | $2,389 |
| Kettlersville | $2,343 |
| Kidron | $2,039 |
| Kilbourne | $2,080 |
| Killbuck | $2,015 |
| Kimbolton | $2,108 |
| Kings Mills | $2,372 |
| Kingston | $2,539 |
| Kingsville | $2,095 |
| Kinsman | $2,040 |
| Kinsman Center | $2,045 |
| Kipling | $2,120 |
| Kipton | $2,073 |
| Kirby | $2,251 |
| Kirkersville | $2,119 |
| Kirtland | $1,865 |
| Kirtland Hills | $1,819 |
| Kitts Hill | $2,578 |
| Kunkle | $2,218 |
| La Croft | $2,023 |
| La Rue | $2,270 |
| Lacarne | $2,301 |
| Lafferty | $2,033 |
| LaGrange | $2,059 |
| Laings | $2,186 |
| Lake Darby | $2,053 |
| Lake Lakengren | $2,469 |
| Lake Lorelei | $2,532 |
| Lake Milton | $2,049 |
| Lake Mohawk | $2,022 |
| Lake Waynoka | $2,693 |
| Lakemore | $1,960 |
| Lakeside | $2,461 |
| Lakeside Marblehead | $2,463 |
| Lakeview | $2,296 |
| Lakeville | $2,027 |
| Lakewood | $2,115 |
| Lancaster | $2,304 |
| Landen | $2,337 |
| Langsville | $2,627 |
| Lansing | $2,025 |
| Latham | $2,788 |
| Laura | $2,258 |
| Laurelville | $2,488 |
| Leavittsburg | $1,988 |
| Lebanon | $2,484 |
| Leesburg | $2,676 |
| Leesville | $2,083 |
| Leetonia | $1,977 |
| Leipsic | $2,424 |
| Lemoyne | $2,283 |
| Lewis Center | $1,993 |
| Lewisburg | $2,479 |
| Lewistown | $2,271 |
| Lewisville | $2,184 |
| Lexington | $2,111 |
| Liberty Center | $2,387 |
| Lima | $2,361 |
| Limaville | $2,069 |
| Lincoln Heights | $2,211 |
| Lincoln Village | $2,097 |
| Lindsey | $2,346 |
| Lisbon | $2,064 |
| Litchfield | $1,990 |
| Lithopolis | $2,216 |
| Little Hocking | $2,158 |
| Lockbourne | $2,108 |
| Lockland | $2,208 |
| Lodi | $2,043 |
| Logan | $2,330 |
| London | $2,267 |
| Londonderry | $2,722 |
| Long Bottom | $2,531 |
| Lorain | $2,068 |
| Lordstown | $2,085 |
| Lore City | $2,186 |
| Loudonville | $2,101 |
| Louisville | $2,019 |
| Loveland | $2,285 |
| Loveland Park | $2,355 |
| Lowell | $2,161 |
| Lowellville | $2,017 |
| Lower Salem | $2,134 |
| Lucas | $2,053 |
| Lucasville | $3,042 |
| Luckey | $2,216 |
| Ludlow Falls | $2,101 |
| Lynchburg | $2,648 |
| Lyndhurst | $2,035 |
| Lynx | $2,874 |
| Lyons | $2,531 |
| Macedonia | $1,911 |
| Mack | $2,281 |
| Macksburg | $2,191 |
| Madeira | $2,138 |
| Madison | $1,821 |
| Magnetic Springs | $2,098 |
| Magnolia | $2,053 |
| Maineville | $2,339 |
| Malinta | $2,469 |
| Malta | $2,227 |
| Malvern | $2,012 |
| Manchester | $2,834 |
| Mansfield | $2,090 |
| Mantua | $1,921 |
| Maple Heights | $2,073 |
| Maple Ridge | $2,084 |
| Maplewood | $2,283 |
| Marble Cliff | $2,042 |
| Marblehead | $2,464 |
| Marengo | $2,196 |
| Maria Stein | $2,293 |
| Mariemont | $2,148 |
| Marietta | $2,179 |
| Marion | $2,241 |
| Mark Center | $2,375 |
| Marne | $2,050 |
| Marshallville | $1,919 |
| Martel | $2,187 |
| Martin | $2,408 |
| Martins Ferry | $2,085 |
| Martinsburg | $2,194 |
| Martinsville | $2,299 |
| Marysville | $2,099 |
| Mason | $2,253 |
| Massillon | $1,909 |
| Masury | $2,093 |
| Maumee | $2,213 |
| Maximo | $2,037 |
| Mayfield | $2,110 |
| Mayfield Heights | $2,035 |
| Maynard | $2,012 |
| Mc Comb | $2,420 |
| Mc Cutchenville | $2,194 |
| Mc Dermott | $2,932 |
| Mc Guffey | $2,282 |
| McArthur | $2,605 |
| McClure | $2,451 |
| Mcconnelsville | $2,387 |
| McDonald | $1,988 |
| Mechanicsburg | $2,225 |
| Mechanicstown | $2,030 |
| Medina | $1,896 |
| Medway | $2,191 |
| Melmore | $2,354 |
| Melrose | $2,336 |
| Mendon | $2,411 |
| Mentor | $1,807 |
| Mentor-on-the-Lake | $1,802 |
| Metamora | $2,366 |
| Meyers Lake | $2,049 |
| Miami Heights | $2,327 |
| Miamisburg | $2,501 |
| Miamitown | $2,334 |
| Miamiville | $2,327 |
| Middle Bass | $2,551 |
| Middle Point | $2,600 |
| Middlebranch | $1,997 |
| Middleburg | $2,255 |
| Middleburg Heights | $2,029 |
| Middlefield | $1,903 |
| Middleport | $2,601 |
| Middletown | $2,435 |
| Midland | $2,434 |
| Midvale | $2,130 |
| Milan | $2,139 |
| Milford | $2,241 |
| Milford Center | $2,169 |
| Millbury | $2,361 |
| Milledgeville | $2,287 |
| Miller City | $2,562 |
| Millersburg | $1,937 |
| Millersport | $2,192 |
| Millfield | $2,407 |
| Milton Center | $2,363 |
| Mineral City | $2,149 |
| Mineral Ridge | $1,998 |
| Minerva | $2,024 |
| Minerva Park | $2,064 |
| Minford | $2,886 |
| Mingo | $2,675 |
| Mingo Junction | $2,255 |
| Minster | $2,290 |
| Mogadore | $2,014 |
| Monclova | $2,207 |
| Monfort Heights | $2,276 |
| Monroe | $2,424 |
| Monroeville | $2,133 |
| Montezuma | $2,327 |
| Montgomery | $2,223 |
| Montpelier | $2,219 |
| Montrose-Ghent | $1,891 |
| Montville | $1,919 |
| Moraine | $2,579 |
| Moreland Hills | $1,933 |
| Morgandale | $2,023 |
| Morral | $2,315 |
| Morristown | $2,037 |
| Morrow | $2,406 |
| Moscow | $2,497 |
| Mount Blanchard | $2,465 |
| Mount Carmel | $2,213 |
| Mount Cory | $2,458 |
| Mount Eaton | $1,966 |
| Mount Gilead | $2,234 |
| Mount Healthy | $2,264 |
| Mount Healthy Heights | $2,271 |
| Mount Hope | $1,971 |
| Mount Liberty | $2,232 |
| Mount Orab | $2,700 |
| Mount Perry | $2,251 |
| Mount Repose | $2,236 |
| Mount St. Joseph | $2,414 |
| Mount Sterling | $2,320 |
| Mount Vernon | $2,148 |
| Mount Victory | $2,374 |
| Mowrystown | $2,595 |
| Moxahala | $2,248 |
| Mulberry | $2,235 |
| Munroe Falls | $2,004 |
| Murray City | $2,384 |
| Nankin | $2,092 |
| Napoleon | $2,398 |
| Nashport | $2,234 |
| Nashville | $2,015 |
| Navarre | $1,938 |
| Neapolis | $2,362 |
| Neffs | $1,986 |
| Negley | $2,004 |
| Nelsonville | $2,435 |
| Nevada | $2,284 |
| Neville | $2,362 |
| New Albany | $1,953 |
| New Athens | $2,149 |
| New Baltimore | $2,229 |
| New Bavaria | $2,488 |
| New Bloomington | $2,308 |
| New Boston | $3,107 |
| New Bremen | $2,249 |
| New Burlington | $2,289 |
| New Carlisle | $2,158 |
| New Concord | $2,135 |
| New Franklin | $1,968 |
| New Hampshire | $2,229 |
| New Haven | $2,230 |
| New Holland | $2,314 |
| New Knoxville | $2,268 |
| New Lebanon | $2,611 |
| New Lexington | $2,273 |
| New London | $2,191 |
| New Madison | $2,315 |
| New Marshfield | $2,463 |
| New Matamoras | $2,312 |
| New Miami | $2,466 |
| New Middletown | $2,007 |
| New Paris | $2,418 |
| New Philadelphia | $1,993 |
| New Plymouth | $2,568 |
| New Richmond | $2,332 |
| New Riegel | $2,278 |
| New Rumley | $2,215 |
| New Springfield | $2,034 |
| New Straitsville | $2,361 |
| New Vienna | $2,361 |
| New Washington | $2,207 |
| New Waterford | $2,088 |
| New Weston | $2,396 |
| Newark | $2,038 |
| Newburgh Heights | $2,243 |
| Newbury | $1,939 |
| Newcomerstown | $2,085 |
| Newport | $2,222 |
| Newton Falls | $2,029 |
| Newtonsville | $2,365 |
| Newtown | $2,177 |
| Ney | $2,335 |
| Niles | $2,033 |
| North Baltimore | $2,248 |
| North Bend | $2,301 |
| North Benton | $1,991 |
| North Bloomfield | $2,113 |
| North Canton | $1,855 |
| North College Hill | $2,304 |
| North Fairfield | $2,271 |
| North Georgetown | $2,057 |
| North Hampton | $2,250 |
| North Jackson | $2,049 |
| North Kingsville | $1,986 |
| North Lawrence | $1,923 |
| North Lewisburg | $2,261 |
| North Lima | $1,976 |
| North Madison | $1,814 |
| North Olmsted | $2,017 |
| North Perry | $1,850 |
| North Randall | $2,202 |
| North Ridgeville | $2,015 |
| North Robinson | $2,170 |
| North Royalton | $1,898 |
| North Star | $2,363 |
| North Zanesville | $2,183 |
| Northbrook | $2,287 |
| Northfield | $1,941 |
| Northgate | $2,303 |
| Northridge | $2,260 |
| Northwood | $2,285 |
| Norton | $2,023 |
| Norwalk | $2,052 |
| Norwich | $2,226 |
| Norwood | $2,193 |
| Nova | $2,118 |
| Novelty | $1,941 |
| Oak Harbor | $2,345 |
| Oak Hill | $2,847 |
| Oakwood | $2,326 |
| Oberlin | $1,999 |
| Obetz | $2,198 |
| Oceola | $2,228 |
| Ohio City | $2,563 |
| Okeana | $2,450 |
| Okolona | $2,448 |
| Old Fort | $2,292 |
| Old Washington | $2,173 |
| Olde West Chester | $2,262 |
| Olmsted Falls | $1,982 |
| Ontario | $2,105 |
| Orange | $1,981 |
| Orangeville | $2,040 |
| Oregon | $2,348 |
| Oregonia | $2,426 |
| Orient | $2,166 |
| Orrville | $1,945 |
| Orwell | $2,027 |
| Osgood | $2,301 |
| Ostrander | $2,169 |
| Ottawa | $2,440 |
| Ottawa Hills | $2,383 |
| Ottoville | $2,463 |
| Otway | $3,182 |
| Overpeck | $2,488 |
| Owensville | $2,325 |
| Oxford | $2,427 |
| Painesville | $1,853 |
| Palestine | $2,275 |
| Pandora | $2,437 |
| Paris | $1,931 |
| Park Layne | $2,157 |
| Parma | $1,991 |
| Parma Heights | $2,021 |
| Pataskala | $2,115 |
| Patriot | $2,659 |
| Paulding | $2,310 |
| Payne | $2,418 |
| Pedro | $2,723 |
| Peebles | $2,951 |
| Pemberton | $2,246 |
| Pemberville | $2,296 |
| Peninsula | $1,935 |
| Pepper Pike | $2,052 |
| Perry | $1,852 |
| Perry Heights | $1,940 |
| Perrysburg | $2,211 |
| Perrysville | $2,063 |
| Petersburg | $2,051 |
| Pettisville | $2,395 |
| Phillipsburg | $2,455 |
| Philo | $2,147 |
| Pickerington | $2,095 |
| Piedmont | $2,199 |
| Pierpont | $2,047 |
| Pigeon Creek | $1,938 |
| Piketon | $2,967 |
| Piney Fork | $2,073 |
| Pioneer | $2,205 |
| Piqua | $2,234 |
| Pitsburg | $2,264 |
| Plain City | $2,114 |
| Plainfield | $2,153 |
| Pleasant City | $2,309 |
| Pleasant Grove | $2,186 |
| Pleasant Hill | $2,170 |
| Pleasant Hills | $2,279 |
| Pleasant Plain | $2,404 |
| Pleasant Run | $2,284 |
| Pleasant Run Farm | $2,372 |
| Pleasantville | $2,117 |
| Plymouth | $2,071 |
| Poland | $1,992 |
| Polk | $2,006 |
| Pomeroy | $2,566 |
| Port Clinton | $2,476 |
| Port Jefferson | $2,231 |
| Port Washington | $2,160 |
| Port William | $2,468 |
| Portage | $2,285 |
| Portage Lakes | $1,944 |
| Portland | $2,558 |
| Portsmouth | $3,101 |
| Potsdam | $2,290 |
| Powell | $1,944 |
| Powhatan Point | $1,995 |
| Proctorville | $2,706 |
| Prospect | $2,171 |
| Put In Bay | $2,406 |
| Quaker City | $2,173 |
| Quincy | $2,219 |
| Racine | $2,556 |
| Radnor | $2,132 |
| Rarden | $3,046 |
| Ravenna | $1,999 |
| Rawson | $2,419 |
| Ray | $2,701 |
| Rayland | $2,049 |
| Raymond | $2,133 |
| Reading | $2,199 |
| Reedsville | $2,526 |
| Reesville | $2,569 |
| Reminderville | $1,954 |
| Reno | $2,200 |
| Republic | $2,352 |
| Reynoldsburg | $2,068 |
| Richfield | $1,877 |
| Richmond | $2,105 |
| Richmond Dale | $2,698 |
| Richmond Heights | $2,114 |
| Richville | $1,976 |
| Richwood | $2,284 |
| Ridgeville Corners | $2,421 |
| Ridgeway | $2,322 |
| Rio Grande | $2,610 |
| Ripley | $2,861 |
| Risingsun | $2,414 |
| Rittman | $1,930 |
| Riverlea | $2,006 |
| Riverside | $2,399 |
| Roaming Shores | $2,063 |
| Robertsville | $1,991 |
| Rock Camp | $2,586 |
| Rock Creek | $2,077 |
| Rockbridge | $2,464 |
| Rockford | $2,379 |
| Rocky Ridge | $2,273 |
| Rocky River | $1,980 |
| Rogers | $2,045 |
| Rome | $2,053 |
| Rootstown | $2,022 |
| Rosemount | $3,113 |
| Roseville | $2,252 |
| Rosewood | $2,325 |
| Ross | $2,476 |
| Rossburg | $2,350 |
| Rossford | $2,294 |
| Rossmoyne | $2,234 |
| Rudolph | $2,334 |
| Rushsylvania | $2,268 |
| Rushville | $2,214 |
| Russells Point | $2,286 |
| Russellville | $2,674 |
| Russia | $2,228 |
| Rutland | $2,524 |
| Sabina | $2,508 |
| Salem | $1,939 |
| Salem Heights | $2,121 |
| Salesville | $2,191 |
| Salineville | $2,020 |
| Sandusky | $2,138 |
| Sandyville | $2,196 |
| Sarahsville | $2,132 |
| Sardinia | $2,656 |
| Sardis | $2,262 |
| Savannah | $2,097 |
| Sawyerwood | $1,948 |
| Scio | $2,108 |
| Scioto Furnace | $2,866 |
| Sciotodale | $3,098 |
| Scott | $2,628 |
| Scottown | $2,776 |
| Seaman | $2,898 |
| Sebring | $2,070 |
| Sedalia | $2,239 |
| Senecaville | $2,142 |
| Seven Hills | $1,961 |
| Seven Mile | $2,323 |
| Seville | $1,914 |
| Shade | $2,366 |
| Shadyside | $2,102 |
| Shaker Heights | $2,078 |
| Shandon | $2,533 |
| Sharon Center | $1,963 |
| Sharonville | $2,204 |
| Sharpsburg | $2,354 |
| Shauck | $2,302 |
| Shawnee | $2,295 |
| Shawnee Hills | $2,396 |
| Sheffield | $2,037 |
| Sheffield Lake | $2,024 |
| Shelby | $2,038 |
| Sherrodsville | $2,072 |
| Sherwood | $2,187 |
| Shiloh | $2,101 |
| Shreve | $1,979 |
| Sidney | $2,188 |
| Silver Lake | $1,940 |
| Silverton | $2,240 |
| Sinking Spring | $2,502 |
| Sixteen Mile Stand | $2,162 |
| Skyline Acres | $2,261 |
| Smithville | $1,968 |
| Solon | $1,955 |
| Somerdale | $2,099 |
| Somerset | $2,251 |
| Somerville | $2,510 |
| South Amherst | $2,021 |
| South Bloomfield | $2,245 |
| South Bloomingville | $2,584 |
| South Canal | $2,033 |
| South Charleston | $2,231 |
| South Euclid | $2,163 |
| South Lebanon | $2,375 |
| South Point | $2,665 |
| South Russell | $1,866 |
| South Salem | $2,766 |
| South Solon | $2,406 |
| South Vienna | $2,220 |
| South Webster | $3,046 |
| South Zanesville | $2,179 |
| Southington | $2,152 |
| Sparta | $2,261 |
| Spencer | $1,950 |
| Spencerville | $2,395 |
| Spring Valley | $2,477 |
| Springboro | $2,379 |
| Springdale | $2,223 |
| Springfield | $2,240 |
| St. Bernard | $2,199 |
| St. Clairsville | $2,011 |
| St. Henry | $2,374 |
| St. Johns | $2,246 |
| St. Louisville | $2,025 |
| St. Marys | $2,216 |
| St. Paris | $2,197 |
| Stafford | $2,163 |
| Sterling | $2,057 |
| Steubenville | $2,103 |
| Stewart | $2,393 |
| Stillwater | $2,146 |
| Stockdale | $2,782 |
| Stockport | $2,177 |
| Stone Creek | $2,097 |
| Stony Prairie | $2,160 |
| Stony Ridge | $2,330 |
| Stout | $2,964 |
| Stoutsville | $2,245 |
| Stow | $1,940 |
| Strasburg | $2,147 |
| Stratton | $2,046 |
| Streetsboro | $1,865 |
| Strongsville | $2,011 |
| Struthers | $1,992 |
| Stryker | $2,298 |
| Sugar Grove | $2,375 |
| Sugarcreek | $2,024 |
| Sullivan | $2,039 |
| Sulphur Springs | $2,149 |
| Summerfield | $2,140 |
| Summerside | $2,226 |
| Summit Station | $2,041 |
| Summitville | $2,088 |
| Sunbury | $2,046 |
| Swanton | $2,278 |
| Sycamore | $2,310 |
| Sylvania | $2,204 |
| Syracuse | $2,430 |
| Tallmadge | $1,956 |
| Tarlton | $2,345 |
| Taylor Creek | $2,301 |
| Terrace Park | $2,238 |
| The Plains | $2,369 |
| The Village of Indian Hill | $2,193 |
| Thompson | $1,888 |
| Thornport | $2,278 |
| Thornville | $2,240 |
| Thurman | $2,653 |
| Thurston | $2,297 |
| Tiffin | $2,141 |
| Tiltonsville | $2,047 |
| Timberlake | $1,890 |
| Tipp City | $2,180 |
| Tippecanoe | $2,067 |
| Tiro | $2,282 |
| Toledo | $2,417 |
| Tontogany | $2,348 |
| Toronto | $2,096 |
| Tremont City | $2,326 |
| Trenton | $2,418 |
| Trinway | $2,187 |
| Trotwood | $2,704 |
| Troy | $2,172 |
| Tuppers Plains | $2,432 |
| Turpin Hills | $2,183 |
| Tuscarawas | $2,034 |
| Twinsburg | $1,945 |
| Twinsburg Heights | $1,943 |
| Uhrichsville | $2,115 |
| Union | $2,429 |
| Union City | $2,488 |
| Union Furnace | $2,462 |
| Uniontown | $1,873 |
| Unionville | $2,047 |
| Unionville Center | $2,118 |
| Uniopolis | $2,248 |
| University Heights | $2,107 |
| Upper Arlington | $1,990 |
| Upper Sandusky | $2,265 |
| Urbana | $2,245 |
| Urbancrest | $2,076 |
| Utica | $2,104 |
| Valley City | $1,952 |
| Valley View | $2,050 |
| Valleyview | $2,177 |
| Van Buren | $2,436 |
| Van Wert | $2,457 |
| Vandalia | $2,412 |
| Vanlue | $2,431 |
| Vaughnsville | $2,326 |
| Venedocia | $2,559 |
| Vermilion | $2,128 |
| Verona | $2,379 |
| Versailles | $2,212 |
| Vickery | $2,324 |
| Vienna | $2,142 |
| Vincent | $2,191 |
| Vinton | $2,920 |
| Wadsworth | $1,858 |
| Waite Hill | $1,866 |
| Wakefield | $2,803 |
| Wakeman | $2,127 |
| Walbridge | $2,263 |
| Waldo | $2,143 |
| Walhonding | $2,370 |
| Walton Hills | $2,067 |
| Wapakoneta | $2,249 |
| Warnock | $1,965 |
| Warren | $2,073 |
| Warrensville Heights | $2,132 |
| Warsaw | $2,112 |
| Washington Court House | $2,330 |
| Washingtonville | $1,969 |
| Waterford | $2,188 |
| Waterloo | $2,678 |
| Waterville | $2,218 |
| Wauseon | $2,391 |
| Waverly | $2,864 |
| Waverly City | $2,859 |
| Wayland | $1,992 |
| Wayne | $2,336 |
| Waynesburg | $2,049 |
| Waynesfield | $2,291 |
| Waynesville | $2,396 |
| Wellington | $2,030 |
| Wellston | $2,850 |
| Wellsville | $2,024 |
| West Alexandria | $2,490 |
| West Carrollton | $2,500 |
| West Chester | $2,259 |
| West Elkton | $2,571 |
| West Farmington | $2,087 |
| West Hill | $2,093 |
| West Jefferson | $2,205 |
| West Lafayette | $2,049 |
| West Liberty | $2,240 |
| West Manchester | $2,420 |
| West Mansfield | $2,250 |
| West Millgrove | $2,351 |
| West Milton | $2,242 |
| West Point | $2,048 |
| West Portsmouth | $3,022 |
| West Salem | $2,054 |
| West Union | $2,991 |
| West Unity | $2,151 |
| Westerville | $1,993 |
| Westfield Center | $2,018 |
| Westlake | $1,951 |
| Weston | $2,245 |
| Westville | $2,226 |
| Wetherington | $2,268 |
| Wharton | $2,313 |
| Wheelersburg | $2,947 |
| Whipple | $2,204 |
| White Cottage | $2,198 |
| White Oak | $2,301 |
| Whitehall | $2,173 |
| Whitehouse | $2,274 |
| Wickliffe | $1,867 |
| Wilberforce | $2,390 |
| Wilkesville | $2,696 |
| Willard | $2,240 |
| Williamsburg | $2,392 |
| Williamsfield | $2,164 |
| Williamsport | $2,265 |
| Williamstown | $2,253 |
| Williston | $2,270 |
| Willoughby | $1,849 |
| Willoughby Hills | $1,868 |
| Willow Wood | $2,663 |
| Willowick | $1,894 |
| Willshire | $2,626 |
| Wilmington | $2,375 |
| Wilmot | $2,061 |
| Winchester | $2,960 |
| Windham | $2,040 |
| Windsor | $2,098 |
| Winesburg | $2,391 |
| Wingett Run | $2,360 |
| Winona | $2,039 |
| Wintersville | $2,116 |
| Withamsville | $2,207 |
| Wolf Run | $2,086 |
| Wolfhurst | $2,012 |
| Woodlawn | $2,214 |
| Woodmere | $2,011 |
| Woodsfield | $2,249 |
| Woodstock | $2,302 |
| Woodville | $2,325 |
| Wooster | $2,011 |
| Worthington | $2,005 |
| Wren | $2,598 |
| Wright-Patterson AFB | $2,393 |
| Wyoming | $2,213 |
| Xenia | $2,499 |
| Yellow Springs | $2,352 |
| Yorkshire | $2,366 |
| Yorkville | $2,046 |
| Youngstown | $2,087 |
| Zaleski | $2,590 |
| Zanesfield | $2,280 |
| Zanesville | $2,179 |
| Zoar | $2,148 |
How much is flood insurance in Ohio?
The average cost of flood insurance in Ohio is $962 a year (about $80 a month) for policies obtained through the National Flood Insurance Program (NFIP).
Homeowners insurance does not cover floods, so you have to purchase flood insurance separately.
Lenders usually require flood insurance for mortgages in high-risk flood zones. Flood insurance is also worth considering if you don’t have a mortgage and/or your home is in a low- or moderate-risk area.
Most flood insurance is purchased through the NFIP, which is managed by the Federal Emergency Management Agency (FEMA). However, several private companies also offer it.
You can look up a home’s flood zone online by visiting the Flood Map Service Center on FEMA’s website.
Methodology
The rates shown in this article are based on an analysis of non-binding quotes obtained from Quadrant Information Services for sample homes in every ZIP code in Ohio. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
*USAA is only available to current and former members of the military and their families.
Frequently asked questions
No, homeowners insurance is not mandatory under Ohio law, but most lenders require it for a mortgage. If you live in a high-risk flood zone, your lender will likely make you get flood insurance, too.
Ohio requires homeowners insurance companies to provide a 30-day notice before canceling or not renewing your policy. However, as the customer, you can cancel your policy at any time if you are switching companies, selling your home or for any other reason.
Homeowners insurance automatically includes mine subsidence coverage in Ohio’s 26 “mandatory coverage” counties. The coverage is offered on an optional basis in nine other counties. Mine subsidence occurs when a home sinks into a mine under its foundation.