Best Homeowners Insurance in Ohio
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.
Cheapest insurance companies in Ohio
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.
Ohio home insurance rates by company
| 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 |  |
 | Grange | $2,277 |  |
 | Allstate | $2,285 | |
 | Nationwide | $2,310 | |
 | Farmers | $5,276 | |
Average rates are based on a policy with $400,000 of dwelling coverage and $200,000 of personal property coverage. *USAA is only available to the military community.
Best homeowners insurance companies in Ohio
Erie, American Family and State Farm are the best large homeowners insurance companies in Ohio.
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 Average rates are based on a policy with $400,000 of dwelling coverage and $200,000 of personal property coverage. | Customer satisfaction Source: J.D. Power 2024 U.S. Home Insurance Study. Higher is better; 640 is average. | Complaints Source: National Association of Insurance Commissioners (NAIC) 2024 Complaint Index. Lower is better; 1.0 is average. |
|---|---|---|---|
| Best overall: Erie | $1,242 | 705 (Good) | 0.5 (Excellent) |
| Best discounts: American Family | $1,579 | 680 (Below average) | 0.5 (Excellent) |
| Most popular: State Farm | $1,871 | 661 (Below average) | 1.0 (Average) |
| Best small company: Cincinnati | $1,633 | Not rated | 0.3 (Excellent) |
| Best for military families: USAA* | $1,553 | 746 (Excellent) | 0.5 (Excellent) |
Best overall homeowners insurance company in Ohio: Erie
Annual rate: $1,242
Pros
State’s cheapest home insurance rates
Better customer satisfaction than most Ohio home insurers
Good coverage options
Cons
No online quotes
Erie backs its low home insurance rates with strong customer service ratings and valuable policy features for Ohio homeowners.
Erie also offers Guaranteed Replacement Cost coverage. This means if construction and material costs needed to repair or rebuild your home go beyond your dwelling coverage limit, it’s covered.
Best home insurance discounts in Ohio: American Family
Annual rate: $1,579
Pros
Affordable average rate
Many discount options
Few customer complaints
Cons
Low customer satisfaction score
American Family’s rate is 28% less than the state average for home insurance. It also has an excellent complaint rating and offers many unique ways to save.
You may get a home insurance discount from American Family if you:
- Buy a home built less than 15 years ago
- Replace old plumbing, electrical or heating systems
- Are under 30 and have parents who are American Family customers
Ohio’s most popular home insurance company: State Farm
Annual rate: $1,871
Pros
Rates are 15% cheaper than state average
Generous discounts
Agents provide personalized service
Cons
Average complaint rating
Poor customer satisfaction score
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.
State Farm offers many home insurance discounts to help you save money. If you bundle home and auto insurance with State Farm, you can cut up to $1,273 a year from your insurance costs.
Ohio’s best small insurance company: Cincinnati
Annual rate: $1,633
Pros
Rates are 26% lower than the state average
Best complaint rating among surveyed companies
Covers both typical and high-value homes
Cons
No online quotes
Website lacks helpful information
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.
Best for Ohio’s military families in Ohio: USAA
Annual rate: $1,553
Pros
Affordable rates
Several discounts
Coverage aimed at military
Replacement cost coverage is standard for belongings
Cons
Only available to military and their families
No personalized service
USAA’s rates are 30% lower than the state average. It also rewards its customers with valuable perks.
USAA is known for coverage that’s tailored to the needs of military members. Uniforms of active duty military are covered with no deductible, and the deductible on personal property is waived if it’s damaged due to war.
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 rate |
|---|---|
| $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.
Home insurance rates near you
| City | Annual rate Average rates are based on a policy with $400,000 of dwelling coverage and $200,000 of personal property coverage. |
|---|---|
| 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 buy 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 bought 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.
Do I need tornado insurance in Ohio?
You don’t need to buy tornado insurance in Ohio, but it is recommended. Ohio was hit by 89 tornadoes in 2024 alone, causing over $24 million in property damage.
Standard homeowners insurance usually covers wind and hail damage caused by tornadoes. If you live in a part of Ohio where windstorms are frequent, however, you may need to buy a separate windstorm insurance policy.
You will also need to buy flood insurance separately to have flood damage from a tornado covered.
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.