Home Insurance in Columbiana County, Ohio
Homes in Columbiana County carry a median value of $151,600 - 29% lower than the Ohio median.
The typical home in Columbiana County was built around 1964. About 45% of homes were built before 1960, about 8 points above Ohio's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Columbiana County, the housing stock is 76% single-family homes, 6% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
51% of owner-occupied homes in Columbiana County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Columbiana County has an owner-occupancy rate of 73% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Columbiana County, 52% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Columbiana County's top hazards are hail (Relatively Moderate), inland flooding (Relatively Moderate) and tornado (Relatively Moderate).
As of September 2026, Columbiana County has 114 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $151,600 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Inland Flooding (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 114 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
- Columbiana
- East Liverpool
- East Palestine
- Hanoverton
- Leetonia
- Lisbon
- New Waterford
- Rogers
- Salem
- Salineville
- Summitville
- Washingtonville
- Wellsville
Sources
- 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)