Home Insurance in Andover, Ohio
Homes in Andover carry a median value of $128,400 - 19% lower than the Ashtabula County median.
The typical home in Andover was built around 1950. About 53% of homes were built before 1960, about 6 points above Ashtabula County's 48%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Andover is 72% single-family homes, 9% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Andover, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Andover are owner-occupied.
In Andover, 72% of homes are primarily heated with natural gas.
FEMA rates Ashtabula County's overall risk as Relatively Low, led by winter weather (Relatively High). Ashtabula County had 68 active NFIP flood policies as of September 2026. See the full Ashtabula County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Ohio, the statewide average premium for a standard HO-3 homeowners policy is $1,116 per year (NAIC, 2023 data).
Key figures
| Median home value | $128,400 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Ashtabula County | 68 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- 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)