Home Insurance in Ashtabula County, Ohio
The median home value in Ashtabula County is $159,500, 26% lower than the Ohio median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Ashtabula County was built around 1962. About 48% of homes were built before 1960, about 10 points above Ohio's 38%.
The housing stock in Ashtabula County is 79% single-family homes, 7% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 52% of owner-occupied homes in Ashtabula County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 76% of occupied homes in Ashtabula County are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Ashtabula County - 60% - are primarily heated with natural gas. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists winter weather (Relatively High), strong wind (Relatively High) and tornado (Relatively Moderate) as the leading hazards for Ashtabula County.
As of September 2026, Ashtabula County has 68 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $159,500 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Strong Wind (Relatively High), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 68 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
- Andover
- Ashtabula
- Conneaut
- Geneva
- Geneva-on-the-Lake
- Jefferson
- North Kingsville
- Orwell
- Roaming Shores
- Rock Creek
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)