Home Insurance in Roaming Shores, Ohio
With a median home value of $226,200, Roaming Shores is 42% higher than the Ashtabula County median.
The typical home in Roaming Shores was built around 1995. About 1% of homes were built before 1960, about 47 points below Ashtabula County's 48%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Roaming Shores is 100% single-family homes.
69% of owner-occupied homes in Roaming Shores carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 97% of occupied homes in Roaming Shores are owner-occupied.
Most homes in Roaming Shores - 53% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Roaming Shores? 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.
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 | $226,200 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)