Home Insurance in Geneva-on-the-Lake, Ohio
Homes in Geneva-on-the-Lake carry a median value of $174,500 - 9% higher than the Ashtabula County median.
The typical home in Geneva-on-the-Lake was built around 1955. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 60% of homes were built before 1960, about 12 points above Ashtabula County's 48%.
In Geneva-on-the-Lake, the housing stock is 68% single-family homes, 17% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Geneva-on-the-Lake, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 67% of occupied homes in Geneva-on-the-Lake are owner-occupied. The vacancy rate is 61%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Geneva-on-the-Lake, 87% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Geneva-on-the-Lake? FEMA's National Risk Index points to winter weather (Relatively High) in Ashtabula County and 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.
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 | $174,500 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)