Home Insurance in East Liverpool, Ohio
Homes in East Liverpool carry a median value of $81,300 - 46% lower than the Columbiana County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in East Liverpool was built around 1947. About 72% of homes were built before 1960, about 27 points above Columbiana County's 45%.
The housing stock in East Liverpool is 75% single-family homes, 16% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 46% of owner-occupied homes in East Liverpool have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in East Liverpool are owner-occupied.
In East Liverpool, 78% of homes are primarily heated with natural gas.
Columbiana County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Columbiana County had 114 active NFIP flood policies as of September 2026. See the full Columbiana 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 | $81,300 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Columbiana County | 114 |
| 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)