Home Insurance in Conneaut, Ohio
The median home value in Conneaut is $132,400, 17% lower than the Ashtabula County median.
The typical home in Conneaut was built around 1950. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 65% of homes were built before 1960, about 18 points above Ashtabula County's 48%.
Housing in Conneaut breaks down to 85% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
48% of owner-occupied homes in Conneaut carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Conneaut are owner-occupied.
In Conneaut, 83% of homes are primarily heated with natural gas.
Ashtabula County had 68 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Ashtabula County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $132,400 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)