Home Insurance in Orwell, Ohio
With a median home value of $125,900, Orwell is 21% lower than the Ashtabula County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Orwell was built around 1976. About 24% of homes were built before 1960, about 23 points below Ashtabula County's 48%.
In Orwell, the housing stock is 43% single-family homes, 23% apartments in buildings with 5+ units and 22% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Orwell, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 49% of occupied homes in Orwell are owner-occupied.
52% of homes in Orwell are primarily heated with natural gas.
What's the biggest home insurance risk near Orwell? 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.
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 | $125,900 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)